davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase is treating peer to peer transaction payments differently depending on the credit card product. I made about 6 peer to peer payments via XXXX utilizing Chase Credit Card A ( Freedom Flex : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) over the course of XXXX XXXX. I made 4-5 similar peer to peer payments via XXXX utilizing Chase Credit Card B ( Freedom ). Card A was charged a minimum transaction fee of {$10.00} for each charge plus a 25 % cash advance fee at the close of my card for the total transactions ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). No such charges were implemented for Card B. Chase refunded 3 transactions XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX ) as a " courtesy '' but is refusing to refund any of the others. I asked why the same transactions from the same merchant made to the same peer are being treated differently across their credit products ( Cards A vs. B ), but they said both are cash advances and I'm required to make these fee payments under Card A 's terms and conditions ( no mention of Card B ). However, they claimed on my calls that Chase supposedly treats peer to peer payments for XXXX similarly, but I have no such charges for any XXXX transactions during the same period on Card A or Card B. I did reach out to XXXX who confirmed their merchant coding is the same no matter the card being used for any peer to peer transaction and it is Chase that is processing the payments differently depending what card is being used. The Chase supervisor, XXXX, denied that was the case and once again blamed XXXX. I also called to their attention an XX/XX/XXXX article from the XXXX XXXX https : XXXX? XXXX & XXXX XXXX where a Chase spokesperson confirmed they do not charge peer to peer cash advance fees. They did not acknowledge the spokespersons claim and referred back to the terms and conditions. I understand that the terms and conditions for peer to peer payments require me to pay these fees, but Chase is claiming those terms and conditions are the same across all their products when that is obviously not the case. I've attached copies of my statements to demonstrate the difference in treatment between the transactions.
Consumer complaint received 2022-06-21
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)

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Escrow Payments aren't accurate as property taxes are lower. Lakeview was conacted via phone and email multiple times and haven't fixed the issue. They claim they are working on it but it has been 4+ months. 

They recently sent notice that they are now raising escrow ( again with wring property tax # 's )
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2021-01-19
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. (UT)

I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.
Consumer complaint received 2024-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (PA)

XXXX This is a follow up about the case above. 
As I mentioned last time that Wells fargo is wasting my time maybe to change the loan term or rate. ( the rate lock 6.25 % expire next XX/XX/XXXX ) and they did nothing but they accused me instead. As you can read on the attached documents
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MO)

I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

Experian stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion, XXXX, XXXX  is allowing XXXX XXXX  Acct # XXXX to report fraudelent information on my Consumer Report which has a damaging affect on my credit worth. Please ask these companies to provide your company with a copy of my XXXX pay history for the months of XXXX & XXXX and pay history for XXXX & XX/XX/XXXX. Please delete this unfair credit reporting from XXXX XXXX.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2021-01-07
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 has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-05
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed for XXXX XXXX  bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: First National Collection Bureau, Inc. (VA)

I have been receiving calls from a debt collector stating they are seeking payment on a debt in the amount of {$2200.00}, and how would I like to pay. I asked the representative to send me a statement, along with application of credit that shows my signature where I supposed to have signed an agreement to have a credit card opened in my name. I was told that my address and name was proof enough, and that the burden of proof was on me. I was also informed that they can not show proof that I signed an agreement, due to the possibility that the credit was most likely done on a computer or online. After going back and forth, the representative told me to file a complaint with the XXXX, and a copy of a of the police report in 2022, I also explained that I had the credit bureau dispute negative reporting on my account, and they were successful of removing negative accounts. I do not see any credit card debt on my account, my credit score has been raised, and I have credit monitoring moving forward to stop any further fraud in my name or towards my SS #. Hopefully after this complaint it will stop all future calls. 


Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Name : XXXX XXXX XXXX XXXX : XXXX Date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a credit card with XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and auto loan are the result of identity theft and fraud.
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I contacted XXXX  on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, experian couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

I recently received a copy of my XXXX XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my credit report SANTANDER CONSUMER USA late payment DATE XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-01-19
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: North American Asset Services, LLC (CA)

I reported that my information was stolen. I never opened a credit card with XXXX account on my credit report XXXX. I called stated I never opened a card with XXXX, they said they were going to investigate. Never heard back from XXXX Back. I called a few times with no response, I need this to be resolved I wasn't able to purchase a house for my son and me and this is heating my credit to provide a home for my son and me. Please I need your help to clarify this matter.
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NV)

My mortgage servicer The Money Source TMS. I filled out the form on their website on XX/XX/XXXX asking for deferral and requesting a call back. Their website said they would call me and where experiencing a high call volume just to wait for them to call me not to call in. It also said that I might receive letter in the mail but it would not go on my credit.. 

I have been calling TMS the Money Source since XX/XX/XXXX. As soon as I noticed a derogatory mark on my credit report from TMS I started calling them.TMS told me someone would call me back in 48 hours  and I never received call back. 

Ive called TMS over 10 times and hear a different story each time. One time they said I have never filled out the forbearance form for call back and that I never went to their site on XX/XX/XXXX and I logged back in on XX/XX/XXXX to check. I have screenshots of my history showing I accessed their site both those days. I have attached this screenshot Another time they said the laws in the state of Nevada prevented them for calling about anything to do with a debt. 

I have tried to use waybeackmachine to get archive of the page but it was from within my account so they dont have copy of the actual screen. I would not have this url if I never accessed and filled out their form. Attached is another screenshot of me trying to search in waybackmachine. 

I have an open case with Fannie Mae but so far they have been unable to do anything because TMS just tells them that I never signed up for forbearance. 

My credit score was over 740 before this and have not missed any credit card or mortgage payment ever. My place of employment closed in XXXX due to COVID-19 and I have had no income since then. I have been using my credit cards and now credit cards are canceling due to derogatory remark on my credit card and late mortgage payments.