davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage in a letter/statement to your organization attached stated that the late payment ding was going to be removed from my credit report and as of today my credit report still reflects the lateness ding, hurting my credit score. 

I also appealed the lateness with XXXX  and an came back stating the lateness was still on my record even after Freedom said it would be removed after XX/XX/2020.
Consumer complaint received 2022-07-26
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. (PA)

XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX EQUIFAX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this incorrect address from my report. EQUIFAX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Consumer complaint received 2022-11-13
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. (WI)

On XX/XX/22 I recieved a text/email from Chase regarding a potential fraud charge to my card. This charge was a XXXX XXXX XXXX XXXX for {$340.00}. I told them that day it was NOT me and they " closed my card and sent me a new one. '' Later on I kept checking my card in the app, making sure transactions are all mine. A charge on XX/XX/22 appeared titled XXXX XXXX XXXX XXXX XXXX FL for {$140.00}. I am located in Wisconsin, I have not been to Florida any time in the past XXXX plus years, nor have I had any charges form XXXX, I've never even given them my card. I called multiple times to Chase telling them about this fraud charge, both times because I didn't see it off my app feed or reimbursed. I was told " it's not on your statement, your fine. '' Today XX/XX/22 I check my statement and see the XXXX XXXX XXXXXXXX XXXX XXXX FL for {$140.00} charge on my statement. I contact Chase and am told this is a re-bill from the investigation and that I need to speak with them regarding it. Chase has not once through this process helped me recoup my stolen money. I have lost faith in them to safely guard my money.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CO)

I leased a XXXX XXXX XXXX and returned it at lease end. I did the lease-end inspection prior to returning the vehicle to Hyundai. I paid all of the lease installments with no problems. 
One day I received credit alerts from my XXXX XXXX " credit-wise ''. I looked it up and found out that Hyundai-finance reported that I was 30 days late on my lease-end bill which I never received and only heard about it through the credit bureau reporting. I know that there is a bill that will come any day but never received one. 
The day I heard about the late filing I searched my email and did not see any Hyundai emails. I went to my account online to see if there is a bill but there are no bills/invoices listed at all. Attached is a screenshot from my account. 
By the way, my account is still showing an old bill from XX/XX/XXXX that was paid on time. See the attached payment record. 

I called Hyundai immediately and paid the invoice in full. I asked if they can adjust the negative reporting but they said I have to mail them a request. I mailed my request to the Hyundai dispute department on XX/XX/XXXX but never heard back from them. 
I went on my XXXX account and disputed the negative reporting but never heard back from Hyundai.

Today, I see that they added a 60 days late payment into my credit report. 
My question to Hyundai is, how come I never received a bill from you or your collection department and now I am late in payments that I've never been late on? 
I believe it is my right as a consumer to be given an invoice with billing date and due date. 
Attached are *Account details screenshot. 
*Account payment proof for the payment still showing on the account which is dated XX/XX/XXXX. 
XXXX A letter that I sent to Hyundai credit dispute department * A letter from Hyundai showing the account paid in full.
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (GA)

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately. 

Why was my identifying information shared that I did not consent?
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We applied for a mortgage modification and were approved for a XXXX modification, but the payments are much higher than the original payments. When we reviewed the modification offer with Greentree, who is the servicer, our gross income, which consists of only XXXX income from Social Security and my husband 's pension, was significantly higher than the actual gross. The servicer said they " gross up '' the income by adding 25 % of the non-taxable income to the actual gross income, which in our case was more than {$500.00} than we actually receive. My attorney reviewed the XXXX guidelines and the " gross up '' is in their Selling Guide, but not in their Servicing Guide. When we asked Greentree if they would provide a citation to the section or provide the actual documentation they refused and said they were not allowed to do this. This violates the XXXX guidelines because the modification is not 31 % of our gross income, but 31 % of a fictitious income.
Consumer complaint received 2022-07-26
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)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 you 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00}
Consumer complaint received 2022-07-26
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: JPMORGAN CHASE & CO. (IL)

Hello to whom it may concern, It has came to my attention that someone has done fraud with my information and has tried to open up multiple types of credit lines with different lenders giving me about 10 inquiries in one month of XXXX Which is outrages for me to do personally. Ive attached photos of the companies with dates and its every single one coming to a total of 11. Ive asked for the removal and nothing. I just filed for XXXX  XXXX and would like to have these removed to start the rebuilding process.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Sears Citibank credit card charging on my credit card that I have had since XXXX XXXX %. My Citibank XXXX  is charging 7.24 %. I have emailed Citibank Sears and advice I have been a customer for 34 years, any my XXXX score is XXXX. Citibank Sears responds back on XX/XX/XXXX, we are unable to lower the APR because you already have the lowest interest rate available for this account at this time. 

I want my APR lowered to match Citibank XXXX and other credit cards.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Consumer complaint received 2022-07-26
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. (GA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX 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 Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$220.00} ; CXXXX 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 2017-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.
Consumer complaint received 2022-11-13
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2016-12-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collection Agency, " XXXX, UT '', has garnished my wages for a medical bill and now they have sent a collection notice for the same bill that I have been garnished for. I have called this agency and asked if there was any more dept, they said they could not find any. This agency has a reputation for trying to collect on a debt twice. Being dishonest. Please help.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OH)

In XXXX, XXXX, I leased a XXXX XXXX  through XXXX XXXX XXXX /JP Chase. In XXXX of this year, I moved from XXXX, XXXX to XXXX, XXXX. To get XXXX  license plates, I need an XXXX  title. However, XXXX  does not issue titles when there is a loan on the car. XXXX   provides a work-around with form that I fill out and the Clerk of the Courts in XXXX County XXXX  fills out and then they send it to XXXX XXXX XXXX/ JP Chase to be signed and notarized. They send it to the XXXX  Titles and Registration Bureau. XXXX XXXX XXXX could either fax it to the above mentioned Bureau or to the XXXX  Department of Revenue. XXXX   Clerk of Courts in XXXX County XXXX has faxed this completed form twice to XXXX XXXX XXXX at fax numbers supplied me by them ( XX/XX/XXXX and XX/XX/XXXX and received receipts that the faxes were received. ) However as of this date of XX/XX/XXXX, XXXX XXXX XXXX/ JP Chase has not signed and notarized the form and sent it to the XXXX   Titles and Registration Bureau . So, I am still unable to purchase XXXX  license plates. As a reference, XXXX XXXX filled out the form, sent it to XXXX  who then made a title and sent it to XXXX  in less than 5 days on another car I own and they financed. Efforts to follow up with XXXX XXXX XXXX have been to no avail. They say they did not receive the form we sent them twice or that it is " in process. '' At this point, there is nothing I can do since they will not cooperate with the XXXX   process.
Consumer complaint received 2022-07-25
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.