davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for XXXX, Equifax, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CO)

asof XXXX I owed XXXX to Florida XXXX XXXX  XXXX. I had a conversation with someone at Florida XXXX XXXX  XXXX to give my forwarding address for final bill. I asked about my deposit I beleive is XXXX, she told me that the deposit would be applied tothe final bill and I would receive an updated bill to pay. Today I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ph # XXXX sent me by mail a collection notice for XXXX. 



Kind regards, XXXX XXXX
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (NY)

I was told when I agreed to the loan that I could make extra payments at any time to be applied to principal only. I did so, but in fact the detailed records of transactions showed delays in processing, application of consequent late fees and transaction charges. When I paid only the amount owed it worked without a hitch so I gave up trying to save by paying off principal faster. Now I have wrecked the car and am paying off total and I asked for an audit. More than once. And they do not even have the courtesy to reply about my request. It is not much money. I object to the way I have been treated. I believe it may be illegal and I am certain it is not the way to treat good customers.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I am an old XXXX XXXX XXXX man and XXXX blocked my account and did not care that I could not go to a branch to unlock it because i am old, sick, XXXX and there is a deadly virus out there that i can die of. Just because i tried to transfer some money to get my medications my account was locked and no one cares that i am XXXX XXXX dollars short in this pandemic.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

A collection was put on my credit report on XX/XX/XXXX from I.C. Systems Inc stating I owe {$610.00} to the originator of the debt XXXX. I paid XXXX {$610.00} and as a result the previous company XXXX XXXX a different collector for XXXX updated the collection on my report on XX/XX/XXXX and deleted all collections on my account. This debt was paid directly to XXXX. Why am I being harassed by phone from I.C systems inc. Also my credit score has decreased and I have been trying to build it for 2 years this is unfair and unacceptable. XXXX is sending another collector after me for more money after I paid them in full.
Consumer complaint received 2021-07-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted disputes letter requesting the company to validate and provide proof of documentation or any court judgements that binds me to the allege debt they are trying to say I owe or any original contracts baring my signature that I am in deed the consumer responsible this debt. However, I noticed that the company and the credit reporting agencies has illegally changed information and dates on my credit profile.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (VA)

Placed house for same in XX/XX/XXXX. Applied for and received COVID forbearance on home in XX/XX/XXXX. XXXX finally sold on XX/XX/XXXX. I attempted to apply for a new mortgage in XXXX of this year on a primary residence and discovered that Loancare placed derogatory marks on my credit report for each period the home was in COVID forbearance. I have called repeatedly to Loancare, often being told that no one could help and that a supervisor would call. None have, to date. 

When I started to file complaints with Loancare in XXXX, including sending an email to the president of Loancare, the servicing of my mortgage was sold to XXXX XXXX 's on XX/XX/XXXX. XXXX XXXX 's has indicated, in writing and through repeated calls, that they can not adjust comments made by another creditor ; it is up solely to Loancare to remedy. 

As of today XXXX XX/XX/XXXX XXXX, I still have not been able to speak with a supervisor of any capacity at Loancare, and, because the servicing of my mortgage was transferred in XXXX, my phone number comes up as an inactive account in their automated system and they will not speak to me without calling from an alternate number. 

I have also filed disputes with each of the credit bureaus, with no decision having been reached as of today. 

Ultimately, I can not secure a new conventional mortgage for the next 8 months, at a minimum, unless the comments are removed by Loancare. I fully complied with the terms of the forbearance, and ask that my complaint be taken seriously and addressed at once. Thank you.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Back in XXXX XX/XX/XXXX My Mortgage Lender *XXXX* Turn My Mortgage Over To [ Fay Servicing ] ... I Attempted After Making 1st. Payment In XX/XX/XXXX To Get The Mortgage Set Up In A First Of The Month Status! So Payment Would Be On Time! I Was Told By [ Fay Servicing ] To Submit A *Loan Mitigation Application* I Was Not Delinquent At That Time! I Submitted All Documents Requested In XX/XX/XXXX Since Then I Submitted Documents 4* Times Total! Fay Servicing Keeps Making Excuses And XXXX To Me About My Application! They No Longer Return My Calls Or Emails And I Have Attempted Numerous Times! I Need Resolution In Order To Get Mortgage In Proper On Time Status! With No Response Other Then To Continue To Ask For The Same *Documents Over And Over*!? My Delinquent Amount Is Sinking Further! I Am Prepare And Had Been Over The Last 60 Days To Make Payments! I Did Make A " '' Partial Payment '' '' XXXX XXXX Only To Have That Return To Me!? Fay Servicing Is " '' Forcing Foreclosure " '' On Me! And Now That I Am Aware Of Them Involved In " '' Dual Tracking '' '' Behaviors I Know Now That They Have Been *Back Tracking* My Mitigation Application On Purpose!? ... I Need Imediate Resolve To My Application I Will Again Attempt Submitting Loan Application Documents On XX/XX/XXXX Only In Good Faith On My Part That I Am Trying! ... This Frustration And Stress On Me Was Not Neccessary And Should Have Been Resolve At Minimum 60 Days Ago!? ... I Ask Request " '' Urgent Attention '' '' And HELP ASAP! FOR [ URGENT RESOLUTION ] SINCERELY ... XXXX XXXX ... PLEASE HELP!!!
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NC)

Apple card ( Goldman ) reported a delinquency for a disputed charge XX/XX/19 for a business I did not go to. They finally cleared the disputed amount however it shows that I was delinquent and reported it to the credit bureaus. It had a major impact on my credit score. It was a charge for a restaurant called XXXX XXXX XXXX. 

I made multiple calls and they had someone call me many times to make attempts to collect each time I explained that I did not owe this. This has gone on for months
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/18 my debit card number and PIN number were used to make a fraudulent transaction of {$270.00} at a XXXX  grocery store and the person also attempted a {$320.00} transaction but chase froze my card already at this point. Chase refunded me the {$270.00}, on XX/XX/XXXX the took the money back out of my account and Im getting bombarded with overdraft fees. I received a letter saying it was ruled as authorized because my PIN number was used. I was told if I had any other information to send it through fax to them. I sent them my emails with the XXXX  police, and screen shots of my XXXX location services putting me a 35 minute drive away from the place the transaction took place at the time it took place. I dont think chase will help me and I dont know what to do at this point.
Consumer complaint received 2021-07-15
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: AES/PHEAA (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-30
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)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ;
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (NC)

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 2022-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KEYCORP (OH)

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to keybank asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. 

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-09-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

I sent my relative {$80000.00} check. Someone stole the mail, erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase ( the Branch escalating group and the executive office ) gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. I thought there wasn't any protection for consumers, so I created a XXXX.XXXX  petition. But through more digging on Federal Reserve website, I found out that The Check Clearing for the 21st Century Act ( Check XXXX ) provides protections against fraudulent checks so that generally you are not responsible if you notify the bank in a timely fashion. According to the Act, the bank must refund me the amount of loss plus interest, no later than the 45th calendar day after the bank received your claim. 

Since Chase denied me my refunds even though Investar and I notified them with police report ( date cleared the bank XX/XX/XXXX, date notify the bank XX/XX/XXXX ), they broke the law. So I am reporting Chase of breaking the law.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (FL)

I am victim of identity theft. My home was broken into all my person information was stolen. I ask that these items I listed as fraud on my credit report be deleted as soon as possible. They are incorrect my on my Credit report. 

XXXX XXXX XXXX XXXX : Equifax Fraud items reporting -Name : XXXX XXXX Phone number : XXXX Balance {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Open : XX/XX/2016 -Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Open : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX MI XXXX
Consumer complaint received 2022-08-28
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. (NY)

I sent a letter to to equifax on XX/XX/XXXX and have not gotten a response in the letter i was stating that the information they were reporting on my credit report is incorrect the name on my credit profile is incorrect the CORRECT and only name i go by is XXXX XXXX any other spelling of my name should be removed and deleted also eqiufax is reporting that my year of birth is XXXX this is completely WRONG, my correct Year of birth is XXXX Also there is an account reporting on my credit report from a companies named XXXXXXXX XXXX XXXXXXXX this account does not belong to me and needs to be deleted off my credit report, also any other address reporting on my credit report is inaccurate and needs to be removed the only accurate and up to date address that iam associated with is and should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (IL)

XXXX XXXX XXXX has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, TrueAccord. TruAccord reached out to me offering to settle the account. I paid TruAccord {$520.00} on XX/XX/2020. I was told that they would notify XXXX XXXX who would then remove it from my credit. After a month I called XXXX XXXX  to check the status and they told me that they had not received notice from TrueAccord that I had settled the account and that I should call them. I called TrueAccord to get the process moving and after 1 month and several calls I was informed by TrueAccord that they had given the information to XXXX XXXX. XXXX XXXX still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.
Consumer complaint received 2022-08-28
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. (CA)

I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (CA)

Recieved a debit card from Pay Pal, never requested one, dont want it! Please have this company stop this fraudulent practice. 
XXXX XXXX