davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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. (FL)

In Accordance with the fair credit reporting act XXXX XXXX XXXXt deleted my XXXX acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
Consumer complaint received 2022-08-07
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. (NC)

I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-04-19
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. (NV)

During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (FL)

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/2020 and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/2020 and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

the card is showing as 30 days past due on credit reports for XXXX however i made two payments in XXXX XXXX on the XXXX for the XXXX payment and one on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to citi to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called XXXX to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for citibank for XXXX XXXX i opened a dispute with XXXX to resolve and citi bank said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (TX)

A fraudulent account was opened in my name at XXXX. I informed XXXX  of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and XXXX  keeps reporting it and affecting my scores.
Consumer complaint received 2023-04-11
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. (FL)

I am writing to file a complaint against Chase Bank regarding a dispute that was unfairly declined. On XX/XX/2023, I had a pre-booked parking arrangement with a service that was canceled due to overbooking. I quickly searched for an alternate parking service and found one on way.com, which advertised outdoor parking near XXXX XXXX for " {$4.00} '' per day via XXXX XXXX XXXX XXXX. However, after confirming my purchase, I realized that I was being charged " {$410.00} ''. I immediately attempted to cancel the purchase but was unable to do so due to unclear messaging on the confirmation email I received from way.com. I called my credit card company, Chase Freedom, to dispute the charge and was told to cancel via the app and wait for a Chase service representative to contact me for further details. I disputed the amount of " {$330.00} '' through the Chase mobile app due to the deceptive charge. 

I would like to emphasize that I did not use XXXX 's XXXX XXXX parking and went directly to XXXX XXXX 's XXXX XXXX, paying {$170.00} for 7-days of parking. Chase placed a temporary credit of {$330.00} on my account as a result of the dispute. However, on XX/XX/XXXX, Chase closed the dispute in favor of way.com and placed the {$330.00} back on my account, citing that I did not cancel with XXXX. I would like to reiterate that I did not cancel because I immediately called Chase at the moment to dispute the charge. I was never contacted by Chase to provide any supporting documentation, such as my receipt from XXXX XXXX parking of {$170.00}, or the screenshot of the advertised charge of {$4.00} on way.com. 

I am filing this complaint because Chase never received these documents, nor did the dispute resolution team acknowledge my efforts to dispute the services and provide documentation at the time of the charge ( XX/XX/XXXX ). I believe that Chase 's decision to decline my dispute was unfair and unjustified, as I ended up paying a total of {$580.00} to park ( {$410.00} of which, I did not use ). I request that you investigate this matter and take appropriate action to resolve this dispute in a fair and impartial manner.
Consumer complaint received 2020-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NC)

I have repeatedly disputed the CAPITAL ACCOUNTS report stating that I owe upwards of XXXX to XXXX XXXX XXXX. I initially disputed in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX XXXX  admitted that my information was supplied which led to my credit being reported falsely. They assured me that XXXX XXXX will remove this debt from my account ENTIRELY, as it belongs to my mother and not me. 

XXXX XXXX was contracted and responded XX/XX/XXXX, stating that it has been handed over to be corrected. According to XXXX, the debt is still being reported as mine. I sent a debt validation letter on XX/XX/XXXX in which is was signed by an agent XX/XX/XXXX, with tracking number XXXX. 

I have NOT received any validation paperwork from this company as well, as it would not and could not exist. Today I attempted to contact XXXX XXXX and XXXX XXXX ( a supervisor ) to inquire about the current reporting status. I was repeatedly hung up on. 

I also spoke with XXXX XXXX who also refused to tell me more information or connect me with the proper authority to provide clarity as to this gross misstep.
Consumer complaint received 2021-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Landed Home Loans LLC (CA)

I have been investigating purchasing a new place in XXXX XXXX ( having moved here in the last year ). A friend suggested working with Landed.com. They say they want to help essential workers such as teachers, medical professionals, and first responders to buy houses in higher end neighborhoods. When I started talking with them red flags started going up for me. The regular mortgage seems straightforward but the down payment assistance seems to be the idea that is TERRIBLE for the home owner. They said they will provide up to 10 % of the down payment up to {$80000.00}. Once you purchase your new house there are no payments needed until you refinance or sell ( red flag # 1 ). When you do refinance or sell you owe them the original loan amount PLUS 25 % of any increase ( or decrease - red flag # 2 & # 3 ) in value of the property. Red flag # 2 on this one was the decrease idea. They have to approve of the area in which you buy therefore they can make sure that you buy in an area where property values are almost guaranteed to go up quickly. Red flag # XXXX was the percentage. I have already purchased a property in XXXX and seen the results of simply living my condo and making sure the property is maintained. I purchased it at {$150000.00}. 20 years later I'm looking to sell it at somewhere around {$440000.00}. If I had used them to provide 10 % of a down payment at that time they would have provided {$15000.00}. The increase in value would have been about {$300000.00} and 25 % of {$300000.00}. So I would have had to pay them {$75000.00} on a {$15000.00} loan. 

When I queried Landed.com about how this is a good deal they responded by emphasizing what the home owner keeps rather than how much money they walk away with. Here is a excerpt from an email they sent me : " For example, if a homebuyer bought an {$800000.00} home, and Landed contributed {$80000.00}, the home 's value at the time of ending the partnership would need to be {>= $1,000,000}. In that case, the homebuyer would buy out the investment by paying the XXXX fund {$400000.00} ( the original {$80000.00} + 25 % of the {>= $1,000,000} change in value ), but the homebuyer would keep their original {$80000.00} + the other 75 % of the {>= $1,000,000} change in value, so in this case, the homebuyer would walk away with {>= $1,000,000}, plus the equity built up by paying down the mortgage over time. '' This struck me as that classic grocery store receipt that says " You saved {$5.00}. '' When the reality is you spent {$55.00}.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-05
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. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violate my right XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX account # XXXX, has violated my right. 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 state a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX Acc # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-19
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. (CA)

There was an unauthorized charge on my Chase Reserve account on XX/XX/20 for {$130.00}. I called to file a fraud report. Chase credited my account while investigating, then reapplied the charge back on my account. Chase said I'm responsible for the charge because the merchant was able to provide them with my personal information. I've appealed the decision, and they came back with the same response.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (MO)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-07-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (PA)

beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!!

4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me.

they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX