davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (SC)

On XX/XX/XXXX I Received a Notarized Statement from OneMain Financial that stated that my Account was Paid in Full. Nowhere on the Notarized Statement does it say this was a settlement for a lesser amount, or does it say Account Paid in Full for less than full balance. The Notarized statement does say This loan has been satisfied on XX/XX/XXXX. OneMain Financial continued to harass me for 13 months and they finally sent this account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Reference Number XXXX Balance Due {$8800.00}. I disputed the validity of this debt within thirty days from receiving this notice on XX/XX/XXXX. On XX/XX/XXXX I received a Letter from OneMain Financial Stating Re Account No. XXXX Date of Loan XX/XX/XXXX Stating that " This letter serves as verification that the above-referenced account has been Settled in Full and closed. ''
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXXXXXX XXXX FL,XXXX-XXXXAddress ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2018-02-20
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. (CA)

I recently received a new copy of my credit report and I noticed an account was still reporting in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to them and " XXXX XXXX XXXX '' ( The original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc. (CA)

Sunbit Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX, I am writing to formally request that Sunbit Inc. cease and desist all sales, shares, and disclosures of my personal information under the California Privacy Act. I am exercising my rights to opt out of any such activities and demand that all records of accounts that I own and that Sunbit Inc. is holding be promptly deleted. As per the California Privacy Act, it is imperative that my privacy preferences be respected, and I expect immediate compliance with this request. Failure to do so will result in further action, including the initiation of arbitration proceedings. Furthermore, I would like to bring to your attention the arbitration clause contained within your terms of service. Any failure to comply with my request will be considered a violation of this clause, and I will have no choice but to proceed with arbitration. It is important to note that the cost of arbitration will be significant, and Sunbit Inc. will be liable for covering these expenses. I expect confirmation of receipt of this letter and written assurance that my requests will be honored within 30 days of XX/XX/24. Failure to provide such confirmation will be taken as an indication of non-compliance, leading to further action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX This Demand is Govern BY California Civil Code Section 1798.100 et seq. ( California Consumer Privacy Act ) California Business and Professions Code Section 17200 et seq. ( Unfair Competition Law ) California Penal Code Section 502 ( Unauthorized Access to Computers, Computer Systems, and Computer Data )
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, FL Date Updated : XX/XX/XXXX
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (WA)

Around XX/XX/XXXX I attempted to access my Chime account via app and it said I was locked out. Then stated my account was frozen. I received multiple emails from bill I had paid stating it had been credited then reversed. I attempted to reset my information but was declined by Chime. I followed the steps as directed and sent in a copy of my ID, ss #, email address, date of birth, and all info requested to their support email. I called on XX/XX/XXXX and still no resolution. They have my ssi check. I can't buy food, or my bus fare to get around as needed. My phone is going to be turned off and my XXXX has already been cut off due to this error. More emails keep pouring in but no one will tell me anything. I contacted again today XX/XX/XXXX and they requested more info from me as I have emailed them again what was requested but no info given or when I can have my funds or access to my CHIME account.
Consumer complaint received 2022-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Consumer complaint received 2021-12-01
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: JPMORGAN CHASE & CO. (NJ)

There are some negative items in my credit report and dont belong to me - XXXX XXXX XXXX XXXX Number : XXXX - XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 - JPMCB XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -JPMCB CARD Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX - XXXX  XXXX Account Number : XXXX
Consumer complaint received 2021-09-04
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. (SC)

Equifax refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 

unauthorized inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

The Value of my house increased and now I have more than 30 % equity in my house. I applied with Caliber home loans to remove the PMI. but every time i call and check on the process I get different answer. sometimes they acknowledge that there is an application and sometime they say when did you apply I don't see your application. Caliber home loans don't wan na remove my PMI and they wan na keep charging me $ XXXX for PMI that i don't have to have. thank you
Consumer complaint received 2022-05-01
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. (VA)

Experian, XXXX, XXXX FRAUD Account # XXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2018-02-19
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. (CA)

Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account report.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I ( XXXX XXXX ) had a joint bank account with my daughter ( XXXX XXXX ) in Chase. On XX/XX/XXXX we discovered that our account was closed. After contacting the customer service they did not disclose any information but they said that they decided to close my daughter 's account. 
Yesterday XXXX we received a mail from Chase dated XXXX indicating that there were two checks deposited electronically in our account paid to the name of my daughter ( XXXX XXXX ) for {$750.00} each. The checks were issued by XXXX XXXX XXXX and signed by XXXX XXXX. Neither I nor my daughter knows the company or the person who signed the checks and we did NOT deposit these checks to the account. The checks were returned and we were also charged a {$12.00} fee for each one of the checks, with a total of {$24.00}. 
The bank also verbally informed us that they have blocked my daughter from opening an account in the future in that bank. 
We have a copy of the checks and the letter from the bank.
Consumer complaint received 2019-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

My mortgage was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing.  They are not recording my payments. They are threatening to foreclose. I have spent 6 weeks of phone calls and emails every other day from them claiming no payment has been made. When we call, they blame accounting for one payment but say they haven't seen any others. I have proof from two banks. I have given them this information over the phone repeatedly. I don't know where else to turn.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I inadvertently signed up on line with Experian for a membership which, as soon as I realized it cost, I stopped the application process ( I thought! ) A {$21.00} charge started showing up on my VISA statement. I called them. I did reach la real person. They agreed to stop the membership and the charge. But that has not happened. The charge is still appearing. I'm afraid to simply ask my VISA company to stop payment for fear doing so would end up showing up as a non-payment of something I had agreed to pay. They could negatively affect my credit rating. Today I tried, using two different " consumer assistance '' phone numbers from Experian and I couldn't get through to a person at all. This has been very frustrating!!!
Consumer complaint received 2020-12-12
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. (OH)

I reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( XXXX ) XXXX
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank bought my mortgage from XXXX XXXX  last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I am attempting to amicably resolve this issue as I have stated to this debt collector this debt is not mine and I never entered into this agreement. This is certainly a case of identity theft or error. I refuse to pay for or be held liable for debt that is not mine. Cavalry SPV I LLC needs to address this matter as I am not going to be railroaded over for funds. I simply want this issue dismissed and collection attempts to cease. These multiple court proceedings and legal measures need to stop.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, am a natural person and federally protected consumer. I authorize the consumer reporting agency, TRANSUNION, LLC, and the CFPB to move forward with this complaint. PLEASE SEE ATTACHED COPY OF CONSUMER REPORT. TRANSUNION, LLC claims to have verified and updated these alleged accounts. This complaint is a demand for deletion of the following accounts from my consumer report and file for failure to report 100 % accurate information about me pursuant to 15 USC 1681e ( b ). 

XXXX XXXX  a. It is a fact the closed date is inaccurate. TRANSUNION, LLC reports closed on XX/XX/XXXX, XXXX reports closed on XX/XX/XXXX and XXXX reports closed on XX/XX/XXXX. 
b. It is a fact that the account is reporting as Pay Status as CURRENT AND CLOSED which is inaccurate to be reporting account as late for any reason. 

XXXX. XXXX XXXX XXXX XXXX  a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not reflect cents. 

XXXX. XXXX XXXX a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not report cents.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (LA)

I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-19
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: FC HoldCo LLC (PA)

On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX