davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: Paramount GR Holdings, LLC (NY)

I received a credit report notification from XXXX. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by GoodLeap LLC for which I have no knowledge of. Upon calling Goodleap and providing my name, they assured me that there is no personal loan under my name and that I should have XXXX and XXXX contact them to remove the account from my credit report. I disputed this account with XXXX and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at Goodleap that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My correct Name is XXXX XXXX XXXX These names below are incorrect : VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I HAVE SENT THREE PAYMENTS FOR THE FINAL PAYMENT. 
XX/XX/2021 E-CHECK FOR {$500.00} - REFUSED XX/XX/2021 E-CHECK FOR {$470.00} - REFUSED XX/XX/2021 MAILED OUT PAPER CHECK {$470.00} - NOT CASHED
Consumer complaint received 2022-10-07
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. (LA)

I submitted a dispute with XXXX, XXXX, and Equifax regarding inaccuracies on my credit report with the debt collector XXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.
Consumer complaint received 2023-01-12
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. (SC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2021 and XX/XX/2021 I was charged {$35.00} on XXXX payments which are automatic payments to the recipient. I called Wells Fargo and their point is that the wire fee needed to come out of the payment so that didn't leave enough to cover the payment that was automatically sent from the account. This is unfair banking practices towards the consumer. In a global pandemic, it is absurd to charge the customer on monies that have cleared the account.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (GA)

I have contacted this company on several occasions and finally settled to pay my balance in XXXX. There was 2 payments made of {$280.00} dollars on XX/XX/XXXX and XX/XX/XXXX. I was told once the payment was received it would be reported to the credit bureau as settled and paid. Fast forward to today XX/XX/XXXX this account was reported as late. I contacted this company and I initially was told my account doesnt qualify for a settlement. So I advised that I had the letters and was provided a different answer then stating she found the letter in the system and she would need to send me to another department. I was transferred and advised that it would take 7-10 days to update my report. Not acceptable it should have never been reported late at all and it should have been documented that the account was settled.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have been the victim of identity theft since XXXX and I have contacted Equifax several times in order to get remove these fraudulent inquiries I have in my credit report and they have failed to do that. I have the following inquires unauthorize : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

My XXXX year old mother recently passed away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX years old and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Synchrony Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And God knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Synchrony charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( SYNCHRONY ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by STRESS. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Synchrony bank?
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

I have two inquiries on my report with XXXX there for US Bank on XX/XX/22 and XXXX on XX/XX/22 I did not authorize these two inquiries. I contacted the credit bureau they advised me that I had to reach out to the creditors, I called the creditors and they advised me that they have no knowledge of what the inquiries are for because they dont see any applications. I told XXXX that and they told me that there is nothing that they can do unless I get a letter from the creditors saying its ok to delete the inquiries from my report. Non the less I need assistance with obtaining these letters from US bank and XXXX to give XXXX
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC (TX)

Upon Checking my credit report. I noticed XXXXwo accounts placed on my credit report from a company called " security credit services. One account was for approximately {$390.00} and another for approximately {$290.00}. I have never done business with this company, I have never received any correspondence about this debt. Last reported date on my report for the debt of {$390.00} was XXXX XXXX and the Last reported date for the debt of {$290.00} was on XX/XX/2020. 

This accounts has impacted my score negatively and has thrown me into financial hardship.
Consumer complaint received 2023-01-12
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. (SC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-02-23
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: Experian Information Solutions Inc. (MO)

XXXX, Experian & XXXX is reporting unverified accounts in collections. Accounts have been disputed but XXXX failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CO)

Chase Credit Card Customer - Created application for credit limit increase on XX/XX/XXXX - Credit Limit Application was approved, moving from {$3000.00} to {$10000.00} - Credit Limit Increase was then revoked on XX/XX/XXXX due to a fraud alert error - I called Chase on XX/XX/XXXX to resolve the issue. While on the phone with a Chase analyst, the credit limit was increased again to {$10000.00} - Credit Limit was decreased again to {$3000.00} on XX/XX/XXXX due to a fraud alert error - I called Chase again on XX/XX/XXXX and XX/XX/XXXX and was informed that the XX/XX/XXXX increase was made in error by the Chase employed analyst. Chase offered no resolution to restore the credit limit to {$10000.00} and admitted it was due to their mistake. The original credit line increase application has since expired and they will no re-activate it. My only option to increase the limit now is to start over with a new application. 
- Countless hours on hold, multiple transfers, inaccurate information given to me.
Consumer complaint received 2021-08-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXXXXXX XXXX.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC (MS)

I received a letter from a company called Jacob Law Group that sent a debt collection letter. I asked the company twice in written form for a legal signed document in reference to this debt. They keep sending me some type of statement that does not have my signature. The address listed on the document is not my physical or mailing address. They are trying to collect on a debt that I do not owe.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I disputed multiple charges made on my account and Wells Fargo is refusing to give me my money back. All the charges was made in another state and I live in the state of Georgia so there is no way I made those charges I filed the dispute on XX/XX/22 for charges of XXXX, XXXX and Wells Fargo chose to deny my claim.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TX)

Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB.
Consumer complaint received 2017-07-10
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I took an auto finance loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with XXXX, cashed by XXXX, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and XXXX own records show that they were timely received. 

However, each month, XXXX improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with XXXX payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. XXXX hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, XXXX has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. XXXX has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence XXXX   will be able to appropriately manage and process payments going forward.