davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (TX)

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX  XXXX XXXX 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (LA)

XXXX XXXX XXXX XXXX la XXXX I gave a down payment for my used XXXX XXXX XXXX {$3000.00} cash on XX/XX/XXXX Upon reviewing my contract it states a credit Which is a violation 15 usc 1605 ( a ) ( c ) This contract is now considered fraudulent
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

* On XX/XX/2022, a fraudulent purchase totalling {$16000.00} was made using my JP Morgan Chase Amazon XXXX XXXX XXXX at XXXX in XXXX XXXX, XXXX Massachusetts. 
* I was immediately notified by the credit card company via email asking if this charge was legitimate to which I responded NO. This in turn closed the account, at which point the JP Morgan Chase issued a new card and sent it to me. 
* I received instructions from the company explaining that they were conducting an investigation into the charge and that I would receive further instructions and possibly a call from a Case Manager. 
* A case manager contacted me on XX/XX/XXXX, left me a voice mail to which I responded with a call back roughly 1 hour later. I was put on hold while the operator attempted to reach the case manager and after a long period of time, I was told that the case manager couldn't speak with me at that moment and that they would contact me later that day. 

I never received another call back from the case manager that or any other day. 
* I was notified via email that my case had been reviewed and that the purchased was deemed legitimate with no supporting evidence and I was now liable for this {$16000.00} purchase. 

*I 've since filed a Police Report with the " XXXX Police XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My supporting documentation includes the following : XXXX ) Snapshot of my XXXX Timeline from the date in question showing I never left home XXXX ) a copy of my XXXX XXXX  invoice from XXXX to XXXX - again showing that there was no travel on XX/XX/XXXX into XXXX XXXX ) a copy of the initial letter stating an investigation was pending We were in the city of XXXX on XX/XX/2022 for a show at the XXXXXXXX XXXX but we ate at a restaurant called the XXXXXXXX XXXX XXXX ( my transaction log shows that date ). We believe it was at that point I lost possession of my credit card.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

My account was compromised and funds were transferred from my account to someone elses account I filed a dispute in XX/XX/2023 I was told it would take up to 20 days to resolve this issue but as of today no one can tell me whats been done or whats happening or give me a timeline. I call repeatedly and get the same answers I was told that my case has been escalated because of the length of time its been but every time I call I keep getting the runaround
Consumer complaint received 2022-04-29
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. (AR)

I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX Arkansas XXXX
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: AXOS FINANCIAL, INC. (KY)

I applied to open a account with XXXX XXXX XXXX XXXX on XX/XX/2021. I was able to open the savings but not the checking. The reason for not being able to open the checking I was told due to something on my XXXX. I requested a XXXX  report and this is when I discovered there was a fraudulent account from AXOS Bank ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a amount of XXXX owed. I have never heard of nor have I ever had any type of account with this bank. I filed a identity theft report with FTC and I filed a dispute with XXXX.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC (GA)

In XX/XX/XXXX, a forbearance request was made and approved by Loancare LLC for 2 XXXX XXXX backed mortgages. In XX/XX/XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; Loancare LLC then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted Loancare LLC several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.
Consumer complaint received 2020-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

We purchased/closed on a newly built home in XX/XX/XXXX. Our monthly payment was {$2200.00} on XX/XX/XXXX. Cornerstone Home Lending notified me in XX/XX/XXXX of a second county they disbursed taxes to ( that they were surprised by ) and that my escrow was now deficient by {$3600.00} and my monthly payment would go up to {$2800.00}. I immediately paid the second county tax in the amount of {$3600.00} on XX/XX/XXXX ( towards escrow - to catch up ). Then Cornerstone notified me in XX/XX/XXXX that my escrow was still deficient by {$1800.00}. I asked what the basis for the {$1800.00} and was told it was taxes. What - why wasn't this brought up previously? I was also told that my XX/XX/XXXX payment was now to be {$3100.00}. Several questions come to mind. How can a mortgage company whose job it is to know how best to estimate escrow not even know that my property involves two counties to pay tax to? How can a mortgage company not have payment and escrow history available to the phone rep for XX/XX/XXXXwhen I call in to understand how my monthly payment can increase by {$810.00} over about 12 months? How can I close on a home in XX/XX/XXXX without taxes having been paid to both counties and that be the responsibility of the mortgage company to factor in when establishing my escrow for XX/XX/XXXX? How can the mortgage company not explain why in XX/XX/XXXX the total tax shortage was {$3600.00} and then 15 days later say it's an additional {$1800.00} that I owe escrow? How can I be presented at closing with a mortgage payment of {$2200.00} and then within about 19 months be paying {$810.00} more a month? I am not challenging the tax amount. I questioning how the mortgage company can present a monthly payment that is so off the mark from the end of XX/XX/XXXX to the beginning of XX/XX/XXXX. It's not that the taxes increased it's that the mortgage company didn't even account for all the taxes to begin with! So frustrating.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (GA)

I spoke with one of their representatives on XXXX, signed up for hardship plan on both loans I have through them. While on the phone the representative was asking me what was I doing to better my situation? Was I trying to get my old job back? Have I tried getting a second job? How long do I expect to be in a hardship? Reluctantly I signed up for the hardship and was told everything was good, then today XXXX, the took the full amount. When I called the representative said that its because it wasnt done in enough time it takes 3-5 days to change payments, I was never told this. This treatment of a customer is outrageous especially in these unprecedented times we are in.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NC)

XX/XX/20 XXXX  was used to place order for a XXXX XXXX XXXX XXXX XXXX  for {$51.00}. The tracking # XXXX for XXXX was given. Delivery notification for XX/XX/20 was emailed, but no package was found. XXXX was contacted and verified package was not delivered to correct address, nor had my name attached. Charge was disputed with Discover. XX/XX/20 the XX/XX/20 XXXX email was provided to Discover. Discover has reinstated the {$51.00} charge without contacting XXXX to verify juicer was not delivered. Seller is no longer on XXXX.
Consumer complaint received 2020-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, Recenty, I submitted a third written request to TransUnion to dispute several items that could not be verified on my credit reports. The letters were notarized and sent to several of their PO Box addresses registered for their company on XX/XX/XXXX. Not only were the errors not fixed ; but I wasn't even given the courtesy of a response as legally mandated by the FDCPA. I have not received any correspondence from them whatsoever from any of the four letters that were sent on this day.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports.

I have listed the accounts from the original letter in an attachment to this complaint. To not hear anything back in two months is a blatant violation and has begun to cost me financially based on my credit worthiness being negatively impacted. I also have included results from another credit bureaus investigation for some of the accounts which resulted in XXXX  deleting those accounts.
Consumer complaint received 2022-01-12
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: WELLS FARGO & COMPANY (FL)

According to Wells Fargo my " account originated as a 30-year, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Me & wife applied at same time for 2 separate cards with same income. Capital one granted her XXXX line of credit. Me XXXX. Wife XXXX I'm XXXX. Ran my card up and try to pat off my account using our bank card from XXXX. They told me that I had a fraud alert on my account and wanted the bank to verify transaction. Wasn't going to accept payment or release account. They turned around took payment and closed account.
Consumer complaint received 2022-08-17
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-12
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. (IL)

XX/XX/XXXX I called tax office to get update on refund. Was advised it was not in & that I could call federal tax offset number. Called and discovered they had been offsetted by previous lender. There has been no contact, no legal action. Account on credit reports say account is Closed and status Foreclosure Redeemed. Also that creditor retook possession. I have receive no updates on foreclosure since moving JXX/XX/XXXX. 
I called the in-town lending office, she had no file for me, no account number. Said she didnt understand why they would take my taxes. That the property was Sold by a Realtor Office. Said she would call home office and call me back. Received call back the next day, she tells me that what she understands from them is that they sent certified mail to me XX/XX/XXXX and account was Satisfied XX/XX/XXXX, by them taking my 9, xxx in tax returns. I didnt receive anything Certified. The Account on credit reports say Closed as of XX/XX/XXXX and balance due {$0.00}. I have heard nothing about owing on loan after the foreclosed, until years later??
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IN)

On XX/XX/2019 I sent a certified letter with return receipt requesting proof of debt to resurgent capital services working on behalf of LVNV Funding LLC. In that letter it requests original contract that I signed. The company responded with just the debt amount supposedly owed ( {$1100.00} ). I sent a second letter XX/XX/2019 demanding them to remove this off my credit report according to the FTC law.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

Equifax has not responded to my letter about four fraudulent accounts. These are not my accounts nor did I consent or authorize them. Also, according to the ) 1681 ( b ) ( 2 ) nothing can be furnished on the consumer report without the written instructions of the consumer. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-03
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. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-03
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. (GA)

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. You had more than 65 days, at the time you responded. XXXX submitted to the CFPB on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is aXX/XX/XXXXXXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.
Consumer complaint received 2021-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing inc at XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX has been sending me collection notices in the amount of {$3100.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize any services pertaining to this matter.