davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, we have initiated a bill pay payment of {$6000.00} from my Chase Bank business checking account to my landlord XXXX XXXX XXXX This is for my XX/XX/2022 store lease payment. 
The check was generated and mailed out from Chase Bank on XX/XX/2022. 
However, two weeks later, my landlord reported that he did not receive it. 
Then in the following week, I noticed the check has been deposited as I can see the image in Chase online and the recipient name was changed to XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX. None of us recognize this person 's name or address. We have immediately reported a check forgery claim to Chase. However, we have not yet received any update from them or refunding any amount of the check. This is a federal crime. I hope they can expedite this and take this seriously. This kind of service is unacceptable. It is chase fault for allow a check that was modified to be deposited. I do not understand why we are still refunded. on the wrong doing.
Consumer complaint received 2022-09-28
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)

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and equifax are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXX I have a service called XXXX XXXX through XXXX XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Consumer complaint received 2022-08-22
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under any open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022 disputed XXXX XXXX  bankruptcy with Experian. The date account came back verified was XX/XX/2022. I have been going back and forth with company and also provided proof from XXXX the bankruptcy was unverifiable and removed. This has caused me a lot of XXXX and XXXX 

XX/XX/2022 XXXX Spoke with XXXX XXXX that Experian does verify with XXXX reporting the bankruptcy. The rep then says that they verify with the bankruptcy courts. After I told her that was incorrect she then says she was mistaken. Rep transferred me to supervisor. I told Supervisor XXXX stated they do not verify through XXXX and it is through another third party vendor. I asked her repeatedly who is the third party vendor they Experian uses and she would not tell me and then she says she can not see who it is verified through. Stated she will dispute the request and kept saying she understands. I told her to stop saying she understands because she does not and not in my position. The supervisor hung up on me when I kept telling her to stop telling me she understands and I told her I am not a child. 

Called back in and spoke to XXXX and she confirmed with me the XXXX is the third party that Experian verifies bankruptcy through. She also stated she located the letter I sent them that I received from XXXX and would submit it for dispute. She advised me that my last dispute that was in process did not have the letter from XXXX that I sent them. Rep was not able to attached the letter to my dispute so she stated she had to get me over to another rep who could. 

Spoke with XXXX and she stated that Experian does verify with XXXX and that XXXX is verifying account is valid. Rep stated she is submitting attachment to be disputed again. I asked rep if the supervisor put in notes that she was going to have Experian send me documentation of how account was verified, who it was verified through and who they spoke with and rep advised me supervisor did not. 


Doc # XXXX
Consumer complaint received 2022-08-22
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Consumer Portfolio Services, Inc. (PA)

This predatory loan was issued to me a ywar after XXXX  XXXX bankruptcy. It came with a {$440.00} payme on a {$16000.00} car and a 21 % interest rate. Any time Consumer Portfolio gives even a 1 day " extension '' they consider that assistance and use it against you later. I've fell behind at very points during my loan but always caught back up. Back in XXXX I was granted a modification. Shortly after I was hospitalized for 2 months due to covid complications. I was unable to make XXXX or XXXX payments or the RIDICULOUS late fees that I was told would be included in the modification but they werent. Once I got out and went back to work I tried working with CPS. They just told me to find a friend to borrow money from. I managed to talk my dad into helping me out. He's XXXX years old and barely had the money to help but he mailed them a check. I informed CPS of this and they said they'd hold off repo until they got it. To this day they say they haven't gotten it but the check was cashed. My dad then refused to help me again when they started saying they received nothing. I was getting paid on XX/XX/XXXX and though I'd be able to pay {$900.00}. Unfortunately when I got my paycheck it was half the amount thay it should have been. When I talked to payroll they said that I had to " pay back '' days I took that I didn't have sick leave for. They said my 1st full pay will be XX/XX/XXXX. I tried to get a modification or extension with CPS and after ignoring me all weekend today they once again emailed me and told me to either ask a friend or relative because my car is goint to be sent out for reposession. When I mentioned that I was looking into XXXX  XXXX bankruptcy they became more aggressive about reposessing my car. When I asked for a modification since my paycheck will be normal in a few weeks they just refuse and hold any previous help against me.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Flagstar Bank is refusing to cancel my PMI ( Private Mortgage Insurance ) from my mortgage. Flagstar  valued my home at {$280000.00} and it currently has a loan-to-value of 80 %. 

Today XX/XX/XXXX, I received a letter form Flagstar that stated I need to have a loan-to-value of 75 %. The Homeowners Act of 1998 states a mortgage company should cancel PMI upon written request and having a loan-to-value of 80 %. Even with that knowledge Flagstar is refusing to cancel PMI.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

A XXXX account is reporting on XXXX credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed 2 letters to the dispute center but it still appears on my credit report.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a pre-qualification notice from Capital One with reservation number and access code. Based on the response which I received through CFPB and from the Capital One Consumer Advocacy Office on XXXX, I was kind of suspicious but a bit optimistic to accept the offer and submit application for credit on this day of XX/XX/2022. The date matches the deadline for the Capital One Settlement deadline [ I have attached copy of my repeated inquiry to the administrator as advised by the Advocacy Office ] What made everyone suspicious is the similarity of the purported codes, reservation numbers and many other access stuff., including CFPB case numbers and Capital One case or file numbers. They declined my application in less than a minute. What frustrates me is not the usual life and stuff of my individual situation ever since I fell to the hands of XXXX XXXX in the late XXXX. What frustrates me is the never ending and stone written denial., declining and many other stuff which I do not give any honor or respect anymore based on the existing fact [ RICO Act anaesthetized by the same culprit who is always more Friend and/or more XXXX than the XXXX ] which implies that there is something that would never change forever. That something is called life, liberty and pursuit of happiness which is taken away from me by bad peers who are warming up to start life of retirement after XXXX of dollars were paid to them and as they are claiming they were the chosen ones who were added as job to the economy. Good for them. Good for the country. After two decades of dark and despair., what I can understand is that the augmented disparage is still running here and there to divert attention and turn every punishment and retaliation as a way of life. We survive. I suspect retaliation/Identity theft and bad bully which is so detrimental. Red eyes do not come easy. Some can buy a XXXX worth of stuff for {$1.00}. Some would XXXX and/or waste a $ XXXX, to obstruct that {$1.00}. We all lived to witness what we are today though.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (PA)

Enhanced Recovery Company filed this on my credit report without sending me a letter or leaving any messages on my machine stating that they were going to do so. The debt of {$490.00} was already charged off by XXXX to my XXXX XXXX Credit Card on Wednesday XX/XX/2022. So I have no idea why Enhanced still put a collection on my record. I demand it be taken down now.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$760.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

In XXXX of XXXX I started making mortgage payments to my mortgage servicer/company Freedom Mortgage XXXX XXXX NMLS ID : XXXX. 

Per my loan documentation I have a 15 year fixed non-escrow loan with a monthly payment of XXXX. 

On or around XX/XX/XXXX the previous mortgage servicer ( XXXX XXXX XXXX ) made a property tax payment ( {$920.00} ) for me ( I have no idea why ). This was my property tax due XX/XX/XXXX. I had to reimburse them, as I had not paid my property tax yet at that point. I was assured all was good. they made the payment in error, and I was able to pay them instead of the town. 

Around XX/XX/XXXX my mortgage was sold to Freedom Mortgage. I made several payments but noticed there was an escrow balance on the account. I made several calls to them and supplied them with my bank statement showing that I had reimbursed Home Point Financial the {$920.00}, I was then told all would be fixed and the escrow would be removed. However, the escrow balance remained on the account. They said the {$920.00} was applied to my principal on the XXXX XXXX, when it should have been applied to the escrow balance. This apparently was done in error. 

On XX/XX/XXXX I called them again to remove the escrow and was told it would be fixed, and I made a payment over the phone of {$1200.00}. All was good I was assured. 

Freedom Mortgage ( for some reason ) then decided to not apply the {$1200.00} and then charged me a late fee. 

I made a payment on XXXX on XXXX on the website ( that is the only payment it would accept ). 

I called them today ( XX/XX/XXXX ) and spoke to an escalation team member named XXXX. 
She said they can't fix it because they already filed some documentation with the IRS for XXXX. I stated this was not my problem but they claim they didn't want to get in trouble with the IRS or redo any paper work. They claim I did not pay a portion of the escrow balance when I paid the {$1200.00} on XX/XX/XXXX and therefore it was not the full payment. I also just found out that they reported my XXXX payment as late to the credit bureaus. They waited until XXXX to apply my {$1200.00} phone payment from XXXX. 

I have made all my payments on this mortgage on time. This escrow mix-up is not my fault. Freedom Mortage is not fixing the issue and they are pushing it on me. This is bad business practice. 
.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681b - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While TransUnion allows people to freeze, unfreeze and check credit reports online, I have been unable to access my already existing account for technical problems at their end. I needed to apply for a new credit card and was not able to log in to either check my report or freeze/ unfreeze my credit. I spoke to XXXX in technical support on XX/XX/2022 at XXXX who assured me this will be fixed and told me to call another number ( yet another wait in the queue ) to get the credit unfrozen. 
As of the time of this writing the problem has not been fixed and I am still unable to access my credit report.
Consumer complaint received 2022-10-21
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. (OR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act : XXXX XXXX Acct # 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 Had violated my rights.

15 U.S.C. 1681 section 602A 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.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CT)

It appears that my credit 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 you 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 block/remove these files. 
XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXOriginal Creditor : XXXX XXXX ) XXXX ( Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$2100.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX