davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
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: Experian Information Solutions Inc. (CA)

I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. 

Experian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.
Consumer complaint received 2019-05-17
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. (FL)

XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 JP Morgan Chase Bank closes my account because they say I got a deposit that was a business loan and my account wasnt a business account so they close my account and took all of my funds I had in my account. I cant even pay any of my bills
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. (CA)

This is an official grievance against Experian situated in XXXX. XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXXXXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Experian has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX On The B Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation the inquiries ito determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TN)

I received a letter from the creditor by the name of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}. 
I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed. 
Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud. 
I also decided to research this XXXX XXXX XXXX XXXX and found multiple sources saying this is fraud as well. 

I then contacted this creditor directly and they informed me this was from XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
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: Collection Consultants of California (CA)

I have tried several attempts in writing and verbally to alert Collection Consultants that they have sent me someone else medical information ; diagnosis, record number, etc and not the account they claim I owe for. I have alerted XXXX XXXX of this as well because this is a violation of privacy and HIPPA regulations. Each time I dispute this account XXXX  allows them to place meets FCRA requirements which is false and fraudulent. FCRA requires credit reporting to report accurate information. I have in my possession a completely different medical file that they are claiming I owe for. They have updated my credit profile to reflect they can not locate consumer. I do not understand how not only XXXX has received this information and neglected to research this and allow this to stay on my credit profile.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?
Consumer complaint received 2021-09-25
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: WELLS FARGO & COMPANY (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX CT, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Account was shown on the credit report as a late payment Payments are due on the XXXX and payment was made on XX/XX/XXXX and again on XX/XX/XXXX with final paymet due on XX/XX/XXXX. I talked to Santander and they report late payments more than 35 days but it was 33 days and it was not a payment but fees. This has adversely affected my credit score as I never missed a payment
Consumer complaint received 2018-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma.  The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company.
Consumer complaint received 2021-04-22
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)

I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

This is the second complaint I am filing against Mohela. The first complaint was filed on XX/XX/XXXX regarding incorrect information about a refund owed to me, and Mohela 's insufficient customer service in resolving this issue. I was owed a XXXX refund, and Mohela kept XXXX that I was owed only 4 % of this XXXX amount. This issue has not yet been resolved despite approximately a dozen phone calls to Mohela. 

I received a letter from Mohela dated XX/XX/XXXX that I would receive a XXXX refund within XXXX days of this date. It is now past 90 days and I have received no refund. I spoke with a customer service representative, whose name was XXXX, on XX/XX/XXXX. This phone call lasted over XXXX hour, with an overwhelming amount of time on hold. Additionally, XXXX, exhibited rude behavior, poor communication, and lazy listening. A customer should not have to calm an agitated representative. With that, XXXX was unable to resolve the issue of me never receiving a XXXX refund despite having a letter from Mohela. 

I was transferred to leave a message with supervisor who would supposedly call back at the end of the next business day. I expect no such phone call. As noted in my previous complaint, numerous phone calls have been disconnected with Mohela. Despite asking if they can call back, no representative from Mohela ever returned a disconnected call. 

I am aware that Mohela has over XXXX complaints filed against it, an impending lawsuit, and has had {$7.00} XXXX withheld for mismanaging loan repayments. I fully understand these sanctions.
Consumer complaint received 2018-06-11
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. (GA)

TransUnion has intentionally failed to update and investigate my credit report. I have filed many claims. Most recently they have refused to provide me with copies documents according to the Fair Credit Reporting Act 15 USC 1681 ( i ) Please re-investigate the following accounts : XXXX XXXX Last Payment Made- Amount Of Payment XX/XX/2013 XXXX   XXXX Last Payment Made - Amount of payment XX/XX/2013 I have continued to express this mortgage is the same account and is past the 7 years reporting time frame. 

TransUnion has not updated either these accounts although they claim to have recently investigated my claims. Please delete these two accounts as they are not accurate and the information listed is not complete
Consumer complaint received 2018-06-11
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. (FL)

To Whom It May Concern Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (OH)

This complaint is against Discover Student loans. A loan was taken out to pay for college expenses. After graduation, the borrower had a hard time finding a job in his profession. He worked part time and then went to the XXXX XXXX. After graduating from the XXXX XXXX it took him almost a year to find a job. During this time, Discover would not work with the borrower on payments. The borrower paid on the loan but Discover told him they would not accept the payments unless it was the XXXX a month payment. He tried on numerous occasions to work with Discover to set a payment plan that he could afford. Discover finally told him he could make payments based on income on the phone then the next month they put the loan in default with no warning. The loan is now in collections and the problem is that he now has to find a way to XXXX. This is such a big problem in the United States. Discover gave him bad advice and would not work with him in any way.