davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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: CORELOGIC INC (TX)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019, CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-06-22
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: U.S. BANCORP (CA)

US Bank reported my loan as over 30 days late when it was being paid off. 
It has been paid in full. I have not been able to get help from US Bank. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on XXXX and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from US Bank, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was zero reason why a mortgage late should have been reported.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

1. I purchased airfare tickets on XXXX XXXX for {$2200.00} on XX/XX/XXXX 2. The airline cancelled the flight XX/XX/XXXX and failed to refund my money 3. I disputed the charge and Chase sent me a decline notice on XX/XX/XXXX and XX/XX/XXXX stating that I cancelled the flight which is false 4.Chase has failed to honor their " purchase protection '' motto after XXXX  failed to refund my money after they cancelled ALL their flights due to the pandemic. 
https : XXXX 5. I am requesting my money back for a purchase that I made but did not cancel.
Consumer complaint received 2021-11-11
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. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. By law all information on this report must be verifiable. If the bureau can not please direct them to delete it from my report. 
XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX, 2021 XXXX  XXXX, XXXX XX/XX/2021 XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX, I hired an Advisor to help with monetary investments. He suggested my XXXX money go into an annuity with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, my XXXX money, with XXXX XXXX, was being moved to XXXX XXXX through JPMorgan Chase Bank. The money was split into 5 checks and 3 of the 5 checks sent out were intercepted, altered and cashed, for a total loss of {$39.00}, XXXX. Of that amount, I still have an outstanding loss of {$13000.00} ( one check ). 

XXXX fraud department has filed the appropriate legal documents and copies of altered checks with Chase Bank, which I do not have a copy of. Two of the stolen checks were altered by " XXXX XXXX XXXX '' ; check # XXXX and # XXXX. According to XXXX XXXX, the altered checks were very obvious and should have never gotten past cashier at Bank. Chase Bank has given back money for one of the " XXXX XXXX XXXX '' checks ( # XXXX ) but is not responding to approve payout of the other check ( # XXXX ). 

My last email communication was with XXXX on XX/XX/XXXX. The response I repeatedly get from XXXX is that the Fraud group will follow up with me once they have an update to share. 

It's been over 3 years and I've been more than patient. At this point, I ask my fraud case be expedited and money given back by Chase or XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I attended the XXXX XXXX and had a loan with Sallie Mae now handled by Navient. I was taken advantage of by the institute and have an outrageous loan. 

Ive attempted to contact Navient about the extremely high interest rate within the last 2 weeks of this complaint. I requested a copy of the initial loan agreement and I believe I am being overcharged and charged an incorrect interest rate. The variable rate per my contract is based on the wsj prime index and currently it is nowhere near the crazy interest rate Ive been charged. This may have been going on for years and I havent been able to pay it down. 

Also on the contract it only shows {$5000.00} was dispersed to the school of the {$30000.00} loan so Im wondering if the school even took the money I never finished the program so this also prevents me from releasing my co-signer now over 10 years later. 

Also as a person who was defrauded by the shut down school The XXXX XXXX loans were forgiven in the most recent lawsuit however mine was not. I believe this should be re-evaluated as Ive only been paying interest so I wouldnt default and ruin my credit. 

Please help me, this loan is predatory and has plagued me my entire life - something isnt right.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I received what appears to be a legitimate paypal email XX/XX/22 at XXXX at the email address through which I am registered with PayPal XXXX It was a notification that I had been invoiced for {$490.00} by a company called XXXX XXXX. I am not familiar with this company nor have I made any purchases in that amount recently. The seller note listed in the email says : " Seller note to customer You have successfully made a transaction for your Ethereum ( ETH ) Using Paypal, you Charged the amount mentioned in the invoice. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX '' I do not know what Ethereum is nor do I see the transaction listed in either my paypal or paypal credit account. Again, the email does appear legitimate, coming from XXXXXXXX and lacking the XXXX  misspellings of many phishing emails though I did note the odd capitalization of certain words. I did not click on any of the links listed in the email, but contacted PayPal directly about the incident. They were unable to provide adequate assistance, directing me to simply forward the email to XXXX. I did as directed but I do not feel as though the issue was being taken seriously.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I have reached out to my mortgage company about a loan modification that they say that I received but the information is not accurate that they have sent to you the paper work has many different dates on it and there are suppose to be 52 pages and there are not they put in pages of different things and none of them make sense. Rushmore Mortgage has sent me numerous letters saying that they have to do more research on finding the information that I asked them for proving that I did a modification and I have yet to receive proof of this. We have had five different mortgage companies and we never did a modification. We were trying to do a modification but were never approved in fact we were asked to send over money in order to get a modification done. We do not know why if anyone got a modification why would you have to pay to get it done? If someone would look at the paperwork that Rushmore sent over it does not reflect much of anything other then them trying to charge me for something that I did not sign for. Too many different dates and too many different papers that do not add of to what's going on with the mortgage. The dates do not match. I am not satisfied with the results of my complaint and therefore I am asking for assistance concerning this matter. Thank you.
Consumer complaint received 2022-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MD)

Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late. 


I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number. 

You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track. 

It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 2024-10-10
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. (NY)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (LA)

On XX/XX/2019 I sent a challenge letter to XXXX  and XXXX   in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request. 

Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX   have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit.
Consumer complaint received 2022-10-25
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: Affirm Holdings, Inc (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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. 

The company is Affirm Inc and this was done multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Hello I previously submitted a complaint but nothing has been solved and this fraudulent inquiry remains on my credit report. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. A unauthorized inquiry remains on my credit report. 

My previous complaint # is XXXX An credit inquiry from XXXX XXXX XXXX  on XX/XX/2022 showed up on my credit report that I did not authorize. I have contacted the business on XXXX, XXXX, XXXX  with no resolution. I have contacted the credit bureaus ( Equifax ) on XX/XX/2022 with no resolution & again on XX/XX/XXXX and XXXX. They requested identification, confirmed receipt of it and still have not removed the inquiry from my report. 

Equifax says I must submit a report with the FTC but FTC directs me straight to cfpb so that is the only complaint I can submit. Please help me resolve this issue in getting fraudulent information off my credit report. 

The tracking number to my identification and complaint was sent via certified mail and delivered on XX/XX/XXXX is XXXX and XXXX Ive attached all supporting documents and I've attached my identification documents.
Consumer complaint received 2022-03-27
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-27
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: LEXISNEXIS (IL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is 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 swiftly.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (OH)

XXXX keeps cashing checks within the grace period for our mortgage payments but they are listing this as past due every month and chraging me late fees. I've made all my payments on time and have the record of when XXXX cashed the checks but they are listing my account as past due. We have spoken with them on the phone and they said that it was fixed for one month but that they couldn't do anything for the next month. On my XXXX report this is showing up as being several months behind and is destroying my credit. Right now my XXXX report shows the last payment being made in XXXX but I have records that show they received on-time payments in XXXX, XXXX, and XXXX. XXXX told my wife that this was never reported as delinquent and yet it shows up in my credit report from XXXX  and XXXX.
Consumer complaint received 2021-01-25
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am submitting a complaint against Chex Systems Inc., regarding an erroneous report being made by XXXX XXXX XXXX XXXX and an account they are claiming I opened, which I did NOT ooen. For in excess of three months I have requested verification of the debt, specific documents related to the date, the time and date the account was opened, the identifying documents used to open the account, proof that I authorized the account to be opened and any and all contracts or agreements regarding or related to the account. Despite a plethora of requests under Section 609, 611 FCRA, XXXX XXXX XXXX XXXX continues to verify the information as accurate without completing or doing any sort of reasonable investigation and or not complying with Section 609, 611 FCRA. Chex Systems Inc., as furnisher of the derogatory information is required to ensure certain aspects of The Fair Credit Reporting Act are followed ; to date none of the requirements of The Fair Credit Reporting Act have been followed by the furnisher, Chex Systems Inc., as I have not received ONE piece of information from XXXX XXXX XXXX XXXX regarding this disputed item. Chex Systems Inc., is in violation of The Fair Credit Reporting Act by continuing to furnish information that is disputed and not requiring XXXX XXXX XXXX XXXX to comply with The Fair Credit Reporting Act Section 609, 611. I now submit a complaint requesting adherence to the furnisher, Chex Systems Inc., under Section 623 FCRA and request that this be followed pursuant to The Fair Credit Reporting Act.