davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WV)

This account should be in my exhusband name only. During our divorce the final court orders stated that he could keep the home, property or furniture inside the home. But he would be responsible for making the mortgage payment, pay taxes, and other fees for the upkeep of the home. Legal documents were signed to remove my name from this account and the deed. I contacted JPCB Morgan Bank and they had sent him an assimilation packet to have my name removed. He did not mail it back. They stated they would send him another packet, so far nothing. I reached out to my exhusband about the matter, he stated he would fix it, but yet nothing has been done. I have reported this also to the XXXX XXXX XXXX. I will also be filing contempt charges against the exhusband for not taking care of this matter, as well as letting the Judge know that no one is complying with her court orders. Apparently my name was removed from the deed but not the mortgage as the courts ordered. I am trying to purchase my own home and this is preventing me to do so.
Consumer complaint received 2021-04-02
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. (NV)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (FL)

i have contacted both XXXX  and Experian every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX took it off because they saw that it didnt belong to me yet XXXX  and Experian still manage to say that it belongs to me?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastern Asset Services LLC (CA)

I was contacted by a woman named XXXX of " EAS ''. The phone number she called me from was out of XXXX XXXX XXXX Florida. The phone number she asked me to call back on was XXXX. XXXX told me that I had been reported to EAS by a company called Balance Credit - a payday loan company with whom I had received a loan in the past and currently have a payment plan set up to pay off my past due balance. As I was asking questions of XXXX about the reason for her call and what this matter was regarding, she cut me off and, as if she were reading a script, began to repeat how rude and dismissive I had been on the call and because of my dismissive attitude she would be reporting me for fraud and writing bad checks. I suppose my reluctance to provide her with my personal information without knowing who she was and why she was calling was interpreted as " dismissive. '' After berating me for a few minutes and not allowing me to get a word in edgewise, she ended the call by saying " this is fraud! good luck! '' and hung up on me. I tried calling the number back twice after that, and she continued to repeat how aggressive I had been and how she would be reporting me and that because this was a recorded line ( which she never stated up front ) that my rude attitude would be documented for the authorities. 

I am completely shaken. I've never experienced anything like this before - this company and this woman, XXXX, need to be stopped!
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint. We will continue to honor your attorneys notice of representation regarding the PRA account ending in XXXX. 

Then this account needs to be removed immediately based off the settlement this account should have been removed from my credit reports within 45 days of the settlement. this was settled through a court proceeding, so why are you still reporting this account which by law and order of the Judge it should have been removed within 45 days. I will also send this to the court and my lawyer to show proof that you have failed to follow a court order. See attached document that shows proof this account should have been removed.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase sent a email notice of a completed address change, but we did not make an address change request. Per the email, I called the phone number as directed. 

After multiple attempts I was able to speak with a Chase representative but their phone system was nearly unusable. At one point I was on hold for 30 min before the call automatically disconnected. The next time I tried I was connected to an Chase agent at the same time as another, unrelated caller. We both started speaking and she had to share her name and a call back number with me on the line. 

Chase apparently has different phone queues depending if you know your account number. I was only able to speak with a Chase representative once I had looked up my Mortgage account number and used that in phone system.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XXXX of XXXX I applied for forbearance due to covid 19. I was under the understanding my payments would be put on back end of my mortgage ( my original mortgage ) and no interest would be accrued during forbearance period. I was on forbearance 6 months. When I started my payments again, I gave Wells Fargo {$5700.00} to apply to my escrow because I understand my taxes and insurance still need to be paid. My brother gave me these funds. So now its XXXX of XXXX and Wells Fargo has put a lien on my home, stating i owe them {$12000.00}. I believe they are charging me interest for those 6 months of forbearance, which is against the law. I was scheduled to close on sale of this home today and now I cant till all of this is cleared up. I have already moved out of my home because the title company just found this one day before closing. I am homeless now till this is resolved! WELLS FARGO IS DOING WRONG!!! And now it is costing me!! Please, please help me resolve this.
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-10-13
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2020-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (OH)

I have contacted Aargon agency in regards to my credit report. I have been a victim of fraud. I sent Aargon agency a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to Aargon agency to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and Aargon agency disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Aargon agency and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2020-10-05
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (NC)

Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, XXXX, had different information in their system than Stearns Lending and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) , XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (OH)

XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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)

XXXX XXXX XXXX XXXX, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with Equifax. My score went down 100 points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. XXXX  also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with XXXX  they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to XXXX  incorrect reporting.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands so the wrong person.
Consumer complaint received 2021-08-10
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: LEXISNEXIS (TX)

FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,