davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Received a collection letter from Wakefield and Associates , Inc., XXXX XXXX XXXX, XXXX. XXXX   XXXX, XXXX, TN XXXX, that money was owed to an entity which goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, TN -- an entity with which I have never had contact with or heard of until receipt of a collection letter on XX/XX/2019.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MS)

A fraudulent account was opened online, in my name with JP Morgan Chase Bank on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to JP Morgan Chase Bank fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for the amount of $XXXX from XXXX XXXX XXXX XXXX on behalf of JP Morgan Chase Bank. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with JP Morgan Chase Bank in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!JP Morgan Chase Bank also never contacted me to verify my identity before the account was fraudulently opened in my name!JP Morgan Chase Bank has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Pinnacle Financial Group, Inc. (VA)

I co-signed for an auto loan for my daughter whos is not paying. Pinnacle Financial Group call me up to 4 times every day. I spoke to my daughter a couple of months ago and we decided to surrender the car. The company advised us that they would send out a letter to fill out for voluntary surrender. the form never came. they kept calling me and i asked about the form. they said they would send out a new one and it never came. I do strongly believe they are lying to keep the interest  going upas long as they can. just yesterday XX/XX/20 they pulled a credit inquiry on my credit report without my permission. I do not believe that is legal. they have every right to report late payments etc ... .but i do not believe they have a right to pull a credit inquiry without my permission. this has caused credit score to drop even further.
Consumer complaint received 2018-06-22
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. (WA)

My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with Experian and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worldwide Processing Group, LLC (FL)

I have been receiving as many as ten calls a day from various XXXX area code numbers. I called back and was told the agency was collecting on behalf of XXXX XXXX. I told the agency that I had nevery heard of XXXX XXXX and I wanted to see a copy of the contract. The said they could not produce a copy of the contract. I asked the agency to stop calling me as is my right under FDPCA and they refused. I asked the name of the agency since that information wasn't provided in any of their voicemails and they reused to provide either the name or address of the agency. When the agency called me today I asked them to send me a letter since was my only method of finding out who they were. They sent the letter which has an address from at least six years ago. Again I don't knw who XXXX XXXX is. from : Forward Movement Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Payment Arrangement I would be happy to provide a copy of the letter. I happen to be in the collection industry and the agency 's failure to provide me with documentation is an FDPCA violation. 

Again, I do not know who XXXX XXXX is and this agency refused to provide any documentation. The agency has a six year old address and I have not received any written notices. The balance letter the agency sent me does not have any language that complies with the FDPCA rules. This is the sort of tactic that in my opinion the CFPB was created to stop. 

Thank you XXXX XXXX XXXX.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me
Consumer complaint received 2024-01-23
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. (IL)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Original Creditor 06 XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

Visited home depot store, purchased {$3400.00} worth carpet and shop for credit card. It approved and till this date have not got any information/mail from bank. Every time calling them and getting to know account in review and not able to provide support or do anything at all. Credit card is from citibank. Within week got email that my statement and balance is due where bank is unable to provide me single paper or contact number from where to get my details. But telling me i can still make payment. Such a crazy logic. I have excellent credit and already dealing with 7 to 8 different credit card companies and banks. No body has this kind of service and really bad internal controls setup which are not helping customers and also not making any sense in banking.
Consumer complaint received 2018-03-12
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (NV)

I have sent XXXX XXXX a letter asking to validate that the account does belong to me ( see attachment 1 and 2 ). I have asked for pertinent information clearly ( see attachment 2 ) and highlighted such as : agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ; complete accounting of alleged debt ; etc. 

XXXX XXXX responded with a letter ( see attachment 3 and 4 ) that says : we are uncertain of what you are specifically disputing and a written explanation and documentation demonstrating any errors in our account information, etc.

Please see attachment 1 and 2 in which I have requested clearly to validate under the FDCPA to provide me with a competent evidence that I have any legal obligation to pay, which the said company has not done so and replied with a generic letter.

Prompt action would be appreciated.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Dating prior to XX/XX/XXXX and prior even I was told my only option was forbearance that I was not eligible for any other repayment plan. XX/XX/XXXX I realized there were other options and the payments they claimed I had to make were outrageous. After more of my own research I called back in and explained how I was once again misinformed and wanted repayment options. I was given a repayment plan but even up until XX/XX/XXXX I was lied to about what the payments were going to be and never received any of the documentation on how or when or even how much the payment would increase causing late fees to accrue. Between the years of accumulated interest in forebearance that I didnt deserve and still inaccurate information resulting  in more money I have to pay my loan amount will never seemingly go down remaining at XXXX in loans.
Consumer complaint received 2018-06-21
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (NV)

I disputed an error on my Credit Report on XX/XX/XXXX using the Credit Bureau 's online dispute process. I included documentation from the Creditor stating that my payments were deferred from XX/XX/XXXX until XX/XX/XXXX. The late payments, XX/XX/XXXX and XX/XX/XXXX, should be removed immediately from my Credit Report if payments were not required during this time. Also if my deferment ends in XX/XX/XXXX, then how are my payments starting back up in XX/XX/XXXX. That is another error on my Credit Report.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (TX)

I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.
Consumer complaint received 2023-06-13
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. (TX)

I sent a letter on XX/XX/2023 to XXXX, transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

hello I am filing a complaint based on transunions inaccurate reporting. I have brought this issue to their attention on a couple of occasions on their non compliance. 

XX/XX/2021 I disputed a collections account XXXX XXXX based on wrong information they are reporting. Wrong Account Type. 

XX/XX/2021 my results were transunion updated the information based on my dispute. this is false they did not update what I had pointed out in my dispute. 

XX/XX/2021 I disputed the same reason and explained why this account is reporting wrong. This account was paid in full in XXXX if this account was paid then this account should not be reporting to be open, this account should be considered closed. I have fulfilled the obligation to pay this debt. if I am correct this may be a violation against the fdcpa and or the fcra. 

XX/XX/2021 I received results once again stating the same information they updated based on my dispute. They did not fix this issue. My updated report they have provided to me still says open account. 

This error is affecting my credit worthiness and defaming my character as not being responsible to pay a debt. this debt has been paid and all these months that have past of them not fixing this simple error and not complying to my request is not fair to me as a consumer. they are in serious violation with the fcra by continuing to report inaccurate information. I have brought it to their attention on multiple occasions and now I am sorry to have to bring it to yours. please help me fix this matter against this credit reporting agency transunion.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I was a victim of the Equifax data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit
Consumer complaint received 2020-03-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I submitted a certified letter to XXXX XXXX XXXX ( XXXX ) requesting they verify the information they are reporting on my credit report as they believe is true. 

On XX/XX/2020 the letter was returned as undeliverable to the address in which was provided on my credit report. 

On XX/XX/2020 a certified letter was sent to Equifax disputing the false information in which XXXX XXXX XXXX is reporting to Equifax on my credit report along with a photo copy in of the undeliverable returned mail in which i tried to reach to the company requesting more information about the debt they claim to mine. I asked that Equifax remove this claim due to the inaccuracies of this company reporting a false address. Equifax denied the information reporting on my credit report was accurate, which will be provided below. 

On XX/XX/2020 another certified letter was sent to Equifax disputing the same information asking them to delete the false Collection due to inaccuries and once again Equifax stated they could not found the collection on my credit file. XXXX is the same Company as XXXX XXXX XXXX but they claim Via XXXX or XXXX XXXX XXXX could not be found on my credit report each time I have disputed this information twice.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PA)

I spoke with Mrs. XXXX and her Manager with this company. It's been since XX/XX/XXXX that we been trying to get this debt resolve and the company and XXXX XXXX is refusing to do so. 

My husband and I leased an apartment from XX/XX/XXXX to XX/XX/XXXX. We decide to not renew our lease for Health reasons as the apartment complex was not being keep sanitize during Covid19 main peak. We were only owing the apartment {$430.00} for XXXX rent and nothing else. The apartment manager decide to retaliate against us for not renewing our lease and charge us unknown charges to us. Our contract never had a garage and we're getting fees for a garage. Utilities that were paid off and we never received any utilities with the correct amount and XXXX XXXX refusing to give us a copy of the utilities being used for the apartment. We have tried over and over many times and do not want to fix this. I have emails from the Regional manager were she states we only owe the {$430.00} and National Credit Systems is refusing to acknowledge this correct balance. We need assistance in claim Fraud against these two companies and trying to gain money from us when the amount is incorrect owe.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America allowed an individual to deposit a {$2400.00} stimulus check into his individual checking account. The check was made payable to joint owners, but was subsequently deposited into the individual checking account without one of the joint owner 's authorization.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (VA)

In XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Planet Home Lending. While with XXXX XXXX  I recieved a loan modification in XXXX which was finalized approved by the XXXX XXXX. Once the transfer took place Planet Home lending did not acknowledge the modification until I called several times and they were and still are reporting my mortgage as severely delinquent. Ive continued to speak with them monthly to make my usual payment yet still receive statements showing Im delinquent. Their XXXX XXXX filed a claim and then withdrew the claim as it was acknowledged that mortgage is no longer included in my active bankruptcy because once again it has been modified. My last communication was today XX/XX/XXXX and XXXX told me she reached out to her XXXX on XX/XX/XXXX and there still has been no update.I understand XXXX XXXX  maybe also did not transfer over my information properly but now that Planet Home has the correct information it still has not been updated.