davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO. (NV)

Here is my issue in summary : My bankruptcy case was dismissed which included my truck. The bank sent me a letter stating I had 60 days or until XX/XX/XXXX to start making payments again to avoid repossession. I called to make payments to bring the account current only to find out that the bank closed the account on XX/XX/XXXX instead of XX/XX/XXXX. I was told I had to pay the loan off in full which is around 30k. I have attached the letters to show what Im writing about. 

The vehicle was repossessed the other day which prompted me to file another bankruptcy to get it returned back to me. The repo driver failed to verify the VIN number, which was covered. He also said I already know which vehicle this is. One of my tenants use to be a repo driver, he said this repo driver broke the law by taking the truck without verifying its VIN number. There are cameras in front of my house and I also have two witnesses, one being the former repo guy ( my tenant ). Whats the point of having rules if these drivers and banks are just going to violate them anyway. Something should be done here. 

I looking to take legal action against the lender for not letting me make payment when I was sent a letter by them stating I can do so. I also want to pursue a complaint against the tow company for not following state law with repossessing my truck.
Consumer complaint received 2024-02-02
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. (PA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2020-10-13
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. (NJ)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-07-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

So I applied for the capital one savor card with no annual fee and the reward was spend {$500.00} within the first 3 months and get {$250.00} cash back I spent the XXXX like in 2 months and once it hit the 4 month I never got anything because I wasn't eligible which makes no sense that I spend $ XXXXwithin 2 months and it's been 6 months and I still haven't gotten anything
Consumer complaint received 2024-02-02
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 and XX/XX/2020, I have sent in information to Equifax to update my account information due to a whole name change ( legal  document to prove it ) and provided my social security card, drivers license, birth certificate, and legal name change decree with Equifax via fax to get my personal information updated. They unknowingly placed a block on my account and now I have no access to my credit score and they keep saying they have not received any faxed info from me for the personal information updates. I only found out about the block when I was trying to buy a car over a week ago. My XXXX and experience accounts are working just fine. Equifax continues to not help get my personal information updated.
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$11000.00}, {$8000.00}, {$6900.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 











-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-02-02
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-02-02
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Wife and I applied for a mortgage through Fifth Third at the start of XX/XX/2020. We originally wanted to go with the Indiana Housing Authority, because we were guaranteed down payment assistance of {$5000.00}. We were convinced by Fifth Third Bank to use them, because they guaranteed a sum of {$10000.00}. 
The mortgage officer that we worked with repeatedly " accidentally '' missed the deadlines to apply for the assistance. And repeatedly " lost '' the paperwork necessary to move forward, even though it was all digital. After starting the process, I was told told several times by the representative that she believed that my wife and I were too young to be buying a house together, and were too young to be getting married. 
Further along the process, she just stopped answering questions. She started making up additional rules, unreasonable demands, and refusing to help us on several occasions. I was working for the same company at the time, and was repeatedly told that they couldn't verify my income, that came from them. Anytime I asked for payment estimate, any time I asked for any information that is easily verifiable, I was met with push-back, and being told, " Well you never know what is going to happen before closing. '' After losing out on $ XXXX in down payment assistance, I was repeatedly told by the agent that she didn't believe that I could afford this house. She also told me that I shouldn't put my wife 's name on the deed, because we are still young. 

It was incredibly infuriating, but after three months of the discrimination, we finally went to another lender, who helped us very quickly. Our original closing date was XX/XX/XXXX, and ended up being XX/XX/XXXX. A normally 45-60 day process took us over 4 months.
Consumer complaint received 2020-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, and I hope all is well. XXXX XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I was working with a mortgage lender to apply for a home loan. When my credit was pulled it showed another social security number that does not belong to me. I have asked the credit bureaus to remove the SSN from my credit report but they keep asking for the same documentation. I am unable to provide a social security number I have provided them my Individual Taxpayer Identification Number along with my tax returns, utility bills and my translated birth certificate. I would greatly appreciate your assistance to help me resolve this issue. Thank you
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Screening Reports Inc. (GA)

I recently applied for housing with XXXX XXXX XXXX XXXX. The application was denied due to inaccurate information reported by Screen Reporters, INC. The report shows : Plaintiff Disposition Eviction Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX This information is inaccurate and an eviction never took place. I'm providing documents as evidence.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My Original mortgage was with Seterus and was changed to Mr. Cooper. I have filed bankruptcy previously and because of the bankruptcy protection law I was not receiving my mortgage statement so I never knew about any late fee. Now Mr. Cooper doesn't want to remove the total late fee & Charges of {$3500.00}. I should not been charged that fee.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (IN)

I switched to Ally bank because I loved the thought of controlling my debit cards, being able to turn them on and off. So I went through the process to open an account then funded the account. Just XXXX $ to start the bank account. This was on XX/XX/XXXX. On XX/XX/XXXX my direct deposit was deposited. Which I transferred to ally bank same day as being eligible to open the account. I call to set up my XXXX  on XX/XX/XXXX and I start getting asked a bunch of security questions. Which I answered them all correctly. The lady specialist then informed me that since I had logged into my bank account on my wifes phone ( which is in my name through the provider ) that this was enough reason to close my account because I had used my log in info on another device besides the one I registered the account with. I then proceeded to ask why and what the issue was and she just kept getting rude and more rude. I asked if I would be able to withdraw or transfer my direct deposit of {$1600.00} that was just posted to the account and the specialist then stated that they will not release any of my funds and I may receive a check at a minimum of 5 weeks of my funds. I have no issue closing the account and just using my previous bank, but for them to basically steal my money is beyond in humane. I have Bill 's that I can not pay now that will be late and cost me even more in charges, not to mention trying to provide for my family and feed them since I am a salary employee and get paid only two times a month. This seems extremely illegal. I should of been given an opportunity to make arrangements to withdraw or transfer my money, or at the very least ally bank send my direct deposit back to my employer, which I also asked them to do and they refused. I live by XXXX XXXX book, so I do not own credit cards to help me make it until I get paid again. Ally bank has literally taken food off my family 's table and made it almost impossible to survive until I get paid again on XX/XX/XXXX. I'm sure you have a million complaints and others you're trying to help, I just ask that someone reaches out and gets ally bank to release my direct deposit or send it back to my employer. No one should ever go through this when they open a bank account and ensure the trust of their wellbeing in a company, just to get blindsided and basically robbed. Thank you for your time and hopefully your help.
Consumer complaint received 2020-07-17
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: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX  as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX  and XXXX  report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX  were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Consumer complaint received 2021-02-25
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: Resurgent Capital Services L.P. (WA)

LVNV is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now LVNV is saying they opened and account for me on XX/XX/20 on the credit report.
Consumer complaint received 2021-05-01
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: SUNRISE CREDIT SERVICES, INC (NC)

I have received a copy of my credit report and it shows company SUNRISECRED account number XXXX. Per FDCPA I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX bought my defaulted loan from Santander. The Statute of limitations in Florida is 5 years. The loan was sold to XXXX XX/XX/2015. XXXX refuses to take this off my credit report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name XXXX XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately. Besides these items, I also want to delete incorrect addresses that I do not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Consumer complaint received 2024-02-02
Product: Credit reporting 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)

XXXX CHARGED-OFF the account. which turned it to a Certificate of Indebt-ness and now becomes income. It is illegal to report income.

OPT-OUT DEMAND To Administration, PER FCRA as a federally protected consumer I am now OPTING OUT of any, and all authorizations I the consumer may have given you ; written, non-written, verbal, or non-verbal. Per 16 CFR 313.7 ( i ), ( ii ), ( iii ), and 15 U.S.C. 6802