davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

We received a call from Chase Bank on our HELOC. They said that we were short a payment. When we called, the claimed that the payment we made using the coupon they provided on their statement was for the month of XX/XX/XXXX, and XX/XX/XXXX was not paid. The statement was dated XX/XX/XXXX to XX/XX/XXXX, and the minimum payment line said {$97.00}. The coupon clearly states that the payment of {$97.00} is due on XX/XX/XXXX. We made the payment, which was cashed and posted in their system on XX/XX/XXXX. 
They claim that that payment was for the month of XX/XX/XXXX, and that the XX/XX/XXXX payment of {$100.00} was not received. 
We have statement covering the dates XX/XX/XXXX to XX/XX/XXXX, which shows a minimum payment of {$100.00}, and the coupon shows a due date of XX/XX/XXXX. Our bank statement shows that the check was cashed, and their statement with the XX/XX/XXXX due date clearly shows that they received the payment on XX/XX/XXXX. 
Basically, I have sequential statements, going back to at least XX/XX/XXXX, showing the exact amounts requested. They also emailed me copies that include the payment vouchers, and all of them match the payments we have made. 

They are claiming that the payment due XX/XX/XXXX is the XX/XX/XXXX payment, and the XXXX that we paid is a short payment for XX/XX/XXXX, and that we owe another $ XXXX. They did this to us back in XX/XX/XXXX as well, getting a whole extra payment out of us. 

I tried to speak to their Customer Service. The first rep kept trying to convince us, but we have documented proof, including their own statements. The follow up research person, when first contacting us, could not understand why THEIR department was incorrect. She called us back this morning with the same explanation as the first, and then became condecending. They claimed that because we had filed for a bankruptcy almost ten years ago, that the statements were incorrect, and that we had to look at the COUPON amount. Well, I did that, and the payments made all matched the coupons.

Again, we have proof that everything had been paid.

If they are making us pay extra for these " mistakes, '' What if they are doing this to ALL of their customers? System clitch? How much extra revenue are they making from this?
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

For the last 8 months I have had constant issues with XXXX merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called XXXX to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my XXXX Credit Report XXXX added {$89000.00} of fraudulent debt to my report. XXXX different names, XXXX new address which were in various states throughout the United States and XXXX new inquiries. XXXX destroyed my credit. I now no longer qualify to purchase a home. I have suffered severe XXXX  and XXXX  because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with XXXX.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I had a previous complaint with Equifax through the CFPB, COMPLAINT ID XXXX. After siting multiple sections under the Fair Credit Reporting Act they still didnt delete the items that i requested deleted and that where a violation of my right and the Fair Credit Reporting Act.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$260.00} Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 



fcra violations see HIPPA VIOLAITONS
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NY)

I opened a Discover Bank checking account on XX/XX/2021 and deposited checks within several weeks from opening. 

On XX/XX/2021 they asked me to upload documents for verification, after trying to upload those documents with errors on Discover website for every day for the next week, it finally worked and my passport and social security card was successfully uploaded. 

On XX/XX/2021 they informed me that the account was closed, no reason was provided. 

I spoke to a representative over the phone who said I will be getting a refund for the account balance within 60 days. After not receiving any refund, I called and spoke to a manager in the security department who said they will not be refunding the account balance and they did not want to give a reason for that.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I did not receive my Social Security payment for XXXX and XX/XX/2020. 

Social Security Administration said they sent the payment to Direct Express. 

Direct Express said they did not get any from Social Security. 

Both are ping-pong me back to each other.
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to XX/XX/XXXX on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

I am having a problem with Navient on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. Navient did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that Navient corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX stated that on XX/XX/2020 documents were served by XXXX XXXX however they were not. A civil suit was entered and I, the consumer never received hard copies. Per the declaration of service, the declarant stated that he spoke with a subject through an intercom and advised to contact the client. No documentation states that paperwork was received or given to anyone. As a result, the declarant could have been speaking with any residences of the household through an intercom system ( XXXX XXXX ). No documents were left detailing the matter at hand. In addition, I have been paying the debt collector monthly and speaking with numerous representatives and no one provided a formal Stipulation of Settlement. No representative can provide a copy of the settlement detailing my signature. I am seeking clarification and formal adjudication for this unresolved issue.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There was an account that was opened on XX/XX/2019 with XXXX XXXX for the total balance of {$3400.00}. This is a fraudulent account from the results of Identity theft.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. 
I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB (IN)

had health issues and was forced to retire from self employment. Tried to get a HECM but was turned down due to foreclosure being filed. Contacted attorney to obtain reinstatement amount and received letter giving amount as {$40000.00} to reinstate. The amount of attorney fees seemed excessive since I had obtained a modification in late 2015. I filed a qualified written request asking for a breakdown of charges. The letter I received back broke down these charges and almost half are from before the previous modification. These charges should have been paid at that time, not now. I would like to have a new reinstatement amount showing valid reinstatement charges sent to me so I can proceed with a request for either a modification or HECM. 

All supporting documentation is attached.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (IL)

I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim at Bank of America about the fraud of my checking account that some of transactions from XXXX. XXXX to XXXX. XXXX XXXX, total amount is : USDXXXX and they denied it. The reason they denied my claim is because they told me this claim was over a year and there's nothing they can do. 
The reason I filed a claim on XX/XX/XXXX is because my bank account had been frozen from XX/XX/XXXX to XX/XX/XXXX. And I faxed the court document and police report case number to the number they provide me to support my case. 
During this whole time from XXXX XXXX, XXXX -- -- XX/XX/XXXX, I was not able to access into my bank account on line banking or get any info from financial branch. 
As long as my bank account was unfrozen on XXXX. XXXX, the weird thing is that I could tell that the fraud happened from XXXX. XXXX, XXXX -- -XX/XX/XXXX, XXXX which was during the time my BOA bank account was supposed to be frozen. So now Im confused how this was happened, while my bank account was frozen? Even I, myself was not able to access into my own bank account. I can not imagine who was able to access into my bank account while it's frozen except the people who's working in BOA. I wan na an explanation from BOA but they just ignore my request. And denied my claim without any explanations.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

XX/XX/XXXX-XX/XX/XXXX I was supposed to recieve XXXX on my baseball scholarship. Balance was XXXX at XXXX university. So the balance was supposed to be lower to XXXX. XXXX sent it to collection now the balance is XXXX which is the wrong a month overall. I have had lawyers and congress woman XXXX XXXX send letter to them but they have no responded. Due to lack of compliance of my dispute I would like that debt to be removed from my credit.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp. (KY)

XXXX XXXX XXXXXXXX Attached information suddenly showed up on my XXXX and XXXX reports which indicate a fabricated/fraudulent collection account that is not mine. 

The only collection account I have is w/XXXX XXXX of whom offered a recent settlement and shall be paid off 'completely ' in XX/XX/XXXX. 

I was excited thinking 'FINALLY ' my credit score shall return to a viable number, yet with this new 'fabrication ' my score dropped even further ... by XXXX points!
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,