davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/29 I purchased a game for my son just prior to leaving him with my babysitter while I went out of town for the weekend. When I arrived at my destination, my credit card wouldnt work and I found out it was because my XXXX son had somehow charged {$980.00} onto my card through the XXXX  ( in app purchases ). I contacted XXXX immediately, after having the phone turned off and the game never played again, to let them know about this and requested a refund for all of it. They refused. I wrote them back explaining the scenario that somehow in the 15min window in which I put my passcode in, my son was able to continually purchase over and over and over. They didnt care, refused it again. I then called my bank, because of covid, it took hours to get a hold of the dispute department. After explaining everything, I was told by Chase that they take the stand with XXXX and that these were all authorized in their opinion because I chose to have my credit card information in my phone. I explained to them that I had no idea about this exception for the 15 min window, they did not care, asked if I had anything else they could help me with. Refused to do anything. 
I understand its my responsibility as a parent, to watch my child or have someone else who is capable to watch them. But one doesnt know this hidden rule that XXXX has and being responsible for {$1000.00} for in app purchases is absolutely ridiculous. Its so inappropriate to not even listen to what is going on. This was not an XXXX young adult, this was a XXXX XXXX XXXX who has no idea what he was doing.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Activus Corporation (CA)

I am a mortgage originator and have been for almost 15 years. There is a Company Activus Home Loans that is using misleading marketing materials to my clients making them think it is coming from me. I have had over 10 calls from clients that have said I sent them something regarding refinancing which I never sent. One of my client sent me a picture of what it was. On the very top it has my companies name.. on the bottom footnote in tiny writing it does have a disclaimer stating not to be affiliated with my company, however where the problem lies is they are putting our company on very top in larger font than what they have their company name at. Very misleading for consumers.. I believe they are purposely misleading by the way they have structured their marketing material..
Consumer complaint received 2020-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I completed a 6 month short term forbearance agreement with Flagstar XX/XX/2019. I have been employed as an XXXX  XXXX as of XX/XX/2019. 

I uploaded all required documentation for a loan modification review to Flagstar 's web portal in XX/XX/2019, including a 3rd party authorization. In all my subsequent calls to Flagstar ( 10+ calls in XXXX/XXXX  ) to confirm the documents have been received, I am told documents are missing or need to be changed. I can locate and view all the documents on Flagstar 's portal which I am told are missing. Flagstar 's representatives are not able to locate them, or provide  consistent information on what is outstanding. I have detailed notes from each call, indicating date of the call, who I spoke with, what I am being told is missing, and what needs to be changed. I have verified repeatedly that all documentation is uploaded and accessible on Flagstar 's web portal.

My authorized 3rd party has also called Flagstar on 3 occasions since XX/XX/2019 and Flagstar has stated each time that they do not have the authorization. It has been posted on Flagstar 's portal since XX/XX/2019, and I can locate and view it there. 

My concern and complaint is that Flagstar is not performing the loan modification review, which is a barrier to getting a repayment agreement in place as soon as possible.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (IA)

On Monday XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX. I answered the phone and asked who was calling they refused to answer me and then they asked if a XXXX XXXX was available, I asked them again to inform me of who was calling and they continued to refuse to answer my question about who was calling and what this was in regards to. This is a blatant violation of the FDCPA : 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; The person who called me did not know who I was until I told him and he refused to identify himself and who he works for.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Redfin Corporation (FL)

I object to Reconnections On each marketing relate to unauthorized publication of personal and private information : listing details page on Redfin, Listing my home and pictures on their website. Listing address XXXX. I am the owner of my home and object that My Home is not for sale and this company advertising posting pictures of my home on their website. Making us a unwilling participation in their scam. Sensitive information have not Services offered Misled by this company Sensitive information displaying pictures of our cars in the driveway and posting the value of my home on their website. As a result strange people person contacting me. XXXX XXXX, co-founder of Redfin, has only just now made a reemergence in the media. Before starting Redfin, XXXX graduated from the University XXXX XXXX  with a XXXX  in XXXX. XXXX caught the entrepreneurial bug when he came up with the idea for Redfin with XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, FL XXXX | Redfin Residential real estate company. Redfin is a real estate brokerage. The Seattle-based company was founded in XXXX, and went public in XXXX XXXX. XXXX XXXX is the CEO. XXXX. Headquarters : XXXX. Customer Service : XXXX Founder ( s ) : XXXX XXXX, XXXX XXXX, XXXX XXXX Founded : XXXX Employees : XXXX Stock Price : XXXX ( XXXX ) {$19.00} XXXX ( XXXX % ) Mon, XX/XX/XXXX, XXXX EDT www.redfin.com/FLXXXXXXXX is advertising my home picture on their website.
Consumer complaint received 2019-06-03
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-02-12
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. (TX)

I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tebo Financial Services, Inc. (AL)

Over the past 12 months ; I've sent over 12 dispute letters and Tebo financial and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and TEBO continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my XXXX   secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XXXX of every month I was late but only by 3 days for the month of XXXX and XXXX I made my payments on the XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

In XX/XX/XXXX ProCollect tried to collect on a debt not owed. Police report was submitted to all bureaus as well and account was removed. Mr. XXXX, from ProCollect, called me on XX/XX/XXXX asking about the same account. I advised it was identity theft and to cease calling me. Today, Mr. XXXX called me again asking about paying the debt and advised again it was identity theft and they have the report. I sent a copy of the police report to ProCollect on XX/XX/XXXX via email. Mr. XXXX persisted on with payi nig the debt and I told him he was advised to not call me anymore due to the identity theft.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Seller scammed me over XXXX. Signed a contract for services and sent payment of {$2000.00} on XX/XX/2019 and never delivered services, and refused refunds. I called the Chase Fraud line in XXXX to get the payment reversed and was told that they can not reverse the fund even though it was a fraudulent transaction.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Ive tried to dispute these accounts multiple times through Experian and also XXXX XXXX  for about 2 years now. These XXXX XXXX accounts were supposed to be forgiven and transferred to the government. The accounts have been reopened without my consent or knowledge on the date of XX/XX/XXXX but the official date to these accounts were XX/XX/XXXXXXXX
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter dated XX/XX/2020 in regards to my account being overdrawn, and they are charging me a {$30.00} fee. I had been calling non-stop, almost everyday since the date above, waiting for costumer service to answer my call, and no one is available. I have pictures or the long wait times i had been experiencing to fix this problem and no one there to help, even though they calim that my wait time will be 20 or more min in either language, English or  XXXX. Due to COVID-19 i am unable to leave my home to see if i can get in person assistance. I find it ridiculous and unprofessional of this bank to have such a horrible costumer service. I had called several numbers, and they all lead to the same automatic system, which tells me, im calling the same place. I feel like there is no way out. I go online, and i dont have a account with them anymore, yet, they are threatening me to send me to collections for {$30.00} and damage my credit, again for {$30.00}. This is beyond wrong. This could had easily been fixed or disputed if someone was available. Is sad, that this is my second complaint via CFPD to resolve my issues with this bank. Last time i made a complaint here, they called me right away, because they get scare. Is sad that they use the COVID-19 situation as there way to clean their horrible costumer service neglect.
Consumer complaint received 2020-05-04
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Consumer complaint received 2024-11-17
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. (NY)

Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like XXXX, XXXX, and TransUnion, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency XXXX only share a consumers information if they have written consent. XXXX, XXXX, TransUnion, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under XXXX CFR XXXX, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with XXXX, XXXX, TransUnion, and any associated furnishers of information.

The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. XXXX, XXXX, and TransUnion, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which XXXX, XXXX, and TransUnion have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I reviewed my consumer reports and I noticed that I had 6 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXXXXXX  for account # XXXX, and dates XX/XX/XXXXXXXX  for account # XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for account # XXXX, XX/XX/XXXX for XXXX and finally on XX/XX/XXXX for account # XXXX This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks!
Consumer complaint received 2020-05-04
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Consumer complaint received 2020-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

CAPIO PARTNERS ADDED A COLLECTION ACCOUNT TO MY CREDIT REPORT ON XX/XX/2019 WITH THE ORIGINAL ACCOUNT BEING WITH " XXXX HOSPITAL ''. THIS DEBT IS NOT MINE, DOES NOT BELONG TO ME. 

CAPIO PARTNERS NEVER SENT ME ANY INFORMATION VIA MAIL THAT VALIDATED NOR NOTIFIED ME OF ANY DEBT. AFTER SENDING MULTIPLE LETTERS TO CAPIO PARTNERS ASKING FOR VALIDATION OF THE DEBT, I HAVE RECEIVED NO RESPONSE NOR ANY INFORMATION ABOUT THE DEBT OWED. 

THIS ACCOUNT IS NOT MINE AND CAN NOT BE VERIFIED. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AS THERE IS NO ACCURATE INFORMATION THAT HAS BEEN VERIFIED WHICH LINKS THIS ACCOUNT TO ME.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.