davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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: JPMORGAN CHASE & CO. (SC)

I entered into a settlement agreement with JP Morgan Chase through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,11,500, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with XXXX. There is a XXXX day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. JP Morgan Chase is reporting a balance of XXXX balance on my credit report.
Consumer complaint received 2019-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-14
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. (NH)

I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union recently e-mailed me a copy of my free annual credit report, but I was UNABLE TO PRINT IT! I would now like to ACCESS THAT SAME REPORT via their website, but THIS IS IMPOSSIBLE TO DO! Please find out WHY their website is so NON-USER FRIENDLY to people desiring to get a copy of their credit reports!
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate information. There are several names on my report that are inaccurate. My name is XXXX XXXX there should be no other name on my report and any other name is not known to me or am I known by. My address is XXXX XXXX XXXX XXXX XXXX XXXX  any other address is not mine and not deliverable by the United States postal service. Removal them immediately. Remove all phone numbers they do NOT belong to me. All of these numbers are inaccurate.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Addresses : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (IL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

At XXXX  XX/XX/2022 on bank : fifth third bank, N.A. ( XXXX  ) Routing number : XXXX Account number : XXXX Tranfer money {$790.00} to XXXX  XXXX XXXX Account number : XXXX Routing number : XXXX Still passing thOse days and no refunded my money to the same account of ( XXXX  ) I call to XXXX supper every day contact them to find results to refund my money. 

I call XXXX  XXXX XXXX and there cant give me information of that account but is not my person all account XXXX  XXXX XXXX say call wisely support to give refund the money.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was approved for a federal grant for an Eidl loan advance and on XX/XX/XXXX Bank of America froze my account. I brought in paperwork from the SBA proving the deposit was valid yet my funds have yet to be released.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (AZ)

I paid off the Loan with PNC, They got overpaid by {$190.00}. I Paid off the loan on XX/XX/XXXX. They are holding onto my money and will not send it to me. I have called them a couple of time to no avail. All I want is to close this issue.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

A closed collection account with XXXX XXXX XXXX is being reported on Experian as late payments now showing up. They can not all of a sudden add late payments on a closed collection with NO payment arrangements ever made with the creditor. They are refusing to correct this and it keeps coming back " verified ''. I have sent a method of verification letter and have NOT received any response.
Consumer complaint received 2019-05-14
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. (NH)

I believe that the creditor that has a negative collection on every one of my credit bureaus has a misunderstanding as to the responsible party to  the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-06-25
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2022-12-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (FL)

Switched phone providers from XXXX to XXXX due to XXXX 's high costs in XX/XX/XXXX. Utilized XXXX for many years, had no extra device or equipment payments, just basic phone plan. Also, was not in any kind of contract due to using XXXX for over 5 years. Was also paid up to date on all basic phone services ; upon switch I confirmed with XXXX, and my new provider XXXX confirmed this as well prior to making change. 

1 year later on XX/XX/XXXX I received a collections notification from a company called Valor Intelligent Processing stating I owe {$130.00} to there client XXXX XXXX, for a total of {$150.00} including there fee. This was the first and only notice I ever received stating I owe money for this account. The notice provides no description of what the amount is for. Tried calling Valor & XXXX and was provided no details on the alleged debt..
Consumer complaint received 2020-07-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$550.00}
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
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Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

About three days ago, I was contacted by a seemingly old woman about keeping in touch with her and receiving a check in compensation. I foolishly deposited this check, without knowing it was fraudulent and then the check was refunded, taking XXXX dollars of overdrawn fees out of my account and leaving me broke.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

My husband and I had a mortgage on our home and decided to enlarge the house. We jointly applied for, and was awarded, a construction loan in XXXX. Both names were on the loan and both names on the deed to the property. Once construction & inspections were complete, the construction loan was transitioned into a 30-year fixed rate conventional loan in XXXX. The loan had only my husband 's name on it, but both names on the property deed. We were told at closing that it didn't matter if my name was not on the loan, that if something happened to my husband I could assume the loan. Late XXXX, my husband abandoned the property and our marriage. Our divorce decree granted me full, exclusive use of the house. I contacted Wells Fargo Home Mortgage about assuming the loan. I was told that could not be done because I wasn't a co-borrower. Refinancing the loan could not be done because the property was " under water '', " upside down '', etc. There was a HAMP modification done in XXXX under my ex-husband 's name. 
If Wells Fargo XXXX had just allowed my name to be on the loan as a co-borrower, it would have saved me so much stress. Once the modification was done, the loan was never in arrears because I was the one responsible for the payments. 
Now in XXXX, the value of the house is still approximately 10 % " under water '' and my income has not kept up with the increases in the interest rate set forth by the HAMP modification. 
I can't do a modification or apply for assistance through a government program because of the criterion that the borrower must reside in the primary residence. I'm a homeowner, but not a borrower. 
The loan has since been service-released to XXXX XXXX XXXX.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

The Car was involved in a car accident, how however the vehicle was partial pay off they had over charge with high interest balance in put in on my credit, showing that I was 120 days in which my insurance given them a settle amount already.
Consumer complaint received 2019-10-02
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. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-02
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. (TX)

XXXX, Equifax, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. 
Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. 

Thank you, XXXX XXXX