davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IL)

On XX/XX/XXXX, I was offered a Trial Modification from Selene Finance. I made a down payment of {$1500.00} on XX/XX/XXXX and made another down payment of {$700.00}. Totaled {$22000.00}. As of XX/XX/XXXX, my mortgage was transferred to XXXX XXXX XXXX. I was unaware of it. The person I spoke with at Selene Finance told me to keep all of my paperwork, I did through e-mail and they will transfer everything plus the money down payment to XXXX. Now all of sudden, XXXX claimed they did not transfer the money and they will not honor the Trial Modification. I do have the problem of XXXX not honoring the Trial Modification, but no one knows where is the money. That is a problem with me. Now I have to go to court, as of XX/XX/XXXX to explain my situation or the judge will put a judgement against my home. I am so done with these mortgage companies. They sure know how to deal with a vulnerable person knowing they are trying to keep Their home. Just want to know where is my down payment Selene suppose to transfer Thank you
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (CA)

I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CO)

I have made a goodwill attempt to have this company clear up this matter. The company has record of me speaking to a representative in XXXX of XXXX and in XXXX of XXXX in order to make payment accommodations. XXXX  XXXX defines an accommodation as including an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. Due to the XXXX forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of COVIDs forbearance period. I have listed the late payments on my report I am requesting to be removed as I am a victim of XXXX, an XXXX XXXX military spouse and was an essential frontline worker during the XXXX pandemic. The company has failed to comply which is a direct violation of FAIR CREDIT REPORTING ACT section XXXX, XXXX XXXX XXXX ; XXXX CFR part XXXX subpart XXXX : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and XXXX XXXX To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply. 
The company has previously added a special comment code to this account in relation to these payments, however the consumer financial protection bureau has clarified the following : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. 
I made a final goodwill attempt today, XX/XX/XXXX to resolve this directly with the company, and they have refused.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (PA)

I am writing to follow up on my previous dispute regarding discrepancies and negative items on my credit report. Despite my previous efforts to rectify these inaccuracies, I am disappointed to see that they persist on my credit report. It is unacceptable that these erroneous items are tarnishing my creditworthiness and financial reputation.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Cant open checking accounts with any bank because they say from my report on Chexsystems which has inaccurate negative info on there and I want it removed I dont have any negative history of check cashing issues because I never can cash a check either due to what is reported in my report and its not fair Ive been dealing w this for years now and no one ever helps me or tells me why
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MO)

After finally being able to regain access to my Chase account, I realized there were fraudulent transactions on my checking account totaling over {$2300.00}, starting XX/XX/XXXX and ending XX/XX/XXXX. I was physically unable to access or monitor my account, or receive statements from this company from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Chase Bank in XX/XX/XXXX suspecting fraud and asking to suspend the account, which was never acknowledged. I was finally able to file a fraud claim on this account in XX/XX/XXXX. Chase asked for documents to support my claim, which I then mailed and faxed. The claim was denied, I was told, due to the fact that the copies were illegible. I then resubmitted clearer copies, which were verified readable by Chase customer service representatives. One escalation representative agreed that this was a case of fraud, and resubmitted my claim. The claim was again denied, but this time due to time limitations. At each step of this process, through multiple phone calls, I was given different reasons why this claim was denied, varying from illegible documentation, a 30 day limit, 60 day limit, 120 day limit, and finally a 2 year limit. One claim representative recommended I take my claim up with the 3rd party that my funds were wired through ( XXXX, XXXX XXXX XXXX XXXX, and another representative told me it was my fault that my funds were accessed without my permission.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They didnt text me directly, they texted a family member and I dont know how they even obtain their number but they texted them this in exact words We are looking for location information for XXXX XXXX XXXX Please call us at XXXX today to speak with a live representative. 

And my family member texted me concerned because it sounds urgent as if something is wrong. I dont know how or why theyre contacting family members or how theyre contacting them.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I paid my collection to Midland Credit Management on XX/XX/XXXX to their 3rd party lawfirm of XXXX, XXXX, XXXX XXXX XXXX. I was advised that the 3rd party lawfirm sent notification to Midland Credit on XX/XX/XXXX that my debt was settled for less than is owed. At this point Midland Credit was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with Midland, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, Equifax are transferring my information without my consent. 
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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

I have been a good customer for over 10 years with Priceline making every payment in full on every month and never having a delinquent account. Now suddenly while I am out of the country Priceline without warning or notice lowered my credit line by {$800.00}. This is not the first time this company has changed my credit card without notice. About three years ago they tried to cheat me out of reward points by changing the reward program on my card ( again without warning or notice ).
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (GA)

This complaint is not a duplicate. It is in reference to a previous complaint against Gateway Mortgage ( XXXX ). XXXX XXXX ' letter contained false and misleading statements and the case was closed based off of his letter. I am attaching my written complaint along with physical evidence.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (TN)

Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.
Consumer complaint received 2024-02-13
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (WI)

On XX/XX/year> I opened XXXX disputes with Paypal for XXXX {$290.00} charges. This company ended up being a scam and used false advertising. They would also not refund money. I went to check status on Paypal a couple of days later and they put that info from merchant had been received but they never notified me. If I had not checked it would have closed in merchant favor as I would not have had a chance to provide info. This should have been resolved days ago but has not even when customer service said they expediated. There is no card # as this is Paypal credit. My paypal is XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent a letter XX/XX/2024 XXXX and Transunion. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

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 on a consumers 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 whom he is acquainted or who may have knowledge concerning any 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 consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this investigation
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to Transunion. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from Transunion verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike XXXX, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account from my credit report.
Consumer complaint received 2022-11-17
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (GA)

On XX/XX/2019 I entered into a contract with Volkswagen Credit for a loan of 72 months. The original amount was {$27000.00} with an interest rate of XXXX percent. The payments were first due on the 1st of each month beginning with the month of XXXX of 2019. XXXX 's interest charge should have been {$65.00} of which is 16 days from the XXXX of XXXX until the XXXX of XXXX of 2019 multiplied by XXXX of which is the result of XXXX x 5.4 % which equaled XXXX and then was divided by XXXX. This should have brought up my balance to {$27000.00}. Then from the XXXX of XXXX until the XXXX of XXXX would have been 27 days. XXXX XXXX % = XXXX then/ by XXXX = XXXX and then multiplied by XXXX = {$110.00} then plus XXXX = {$27000.00}. A payment of {$450.00} was made of which should have brought my balance down to {$27000.00}. The amortization statement says the balance was {$27000.00} BUT the billing statement says that my balance was {$27000.00} - apparently as of the XXXX of XXXX of 2019. So, I multiplied {$27000.00} by 5.4 % which equaled XXXX and then divided it by XXXX which equaled XXXX and multiplied by XXXX which represented the days of XX/XX/XXXX until XX/XX/XXXX of 2019 and the answer was {$40.00}. {$27000.00} + {$40.00} = {$27000.00}. This is a difference of {$3.00} of which was added to what I owed. It apparently appears that I was originally overcharged {$3.00} during the first month of which could have a serious impact on interest charges due to an incorrect balance- of which the wrong balance would have been reported to the credit reporting agencies.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Repeatedly I have received phone calls from Portfolio Recovery. I answered one of the calls, and called independently, to tell them I have not debt, have a perfect credit rating, and they must be mistaken. They told me they will take me off the list of theirs. I still get the phone calls, once or twice a day. I have not owed anyone any money, have no debt and this is maddening.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In the course of reviewing my credit report, I spotted some erroneous and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.