davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

Property was seized by Chase and my family was removed by the police. 
Told the police they were holding an auction of my property that weekend. 
I was told by the police that if I was seen on the property, I would be arrested for felony trespassing. The auction never happened, but I still do not have access to. The property. 

Chase property management took control of the property. 
They changed the locks and never came back, allowing the furnace boiler and heating pipes, and radiators to burst. 
The building inspector has removed the certificate of occupancy and instructed me to demolish the house. 

I have never missed a payment.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/23 I used XXXX to send my brother XXXX XXXX {$1000.00}. It turns out i sent it to the wrong phone number XXXX ( instead of the correct number XXXX ). The recepient 's name of the wrong phone number is NOT XXXX XXXX so it should have never gone through. I immediately called Wells Fargo and they put in a claim and never got back to me. I also requested {$1000.00} from the incorrect number through XXXX, but they ignored it. When I called the bank again today, they said there was nothing they can do becaude the funds are no longer in that person 's account. They suggested I file for civil court but it is otherwise not their problem.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 2023-09-20
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. (MA)

My name is XXXX XXXX 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 2016-01-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc (MI)

Highpoint Asset INC XXXX is calling me several times daily and harassing me stating I took out payday loans in 2012 and did not pay them. I did not take out payday loans from these people and the ones I did from other companies i repayed a long time ago. I do not know how they obtained my ssn.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (VA)

After transferring my loan from nelnet I contacted Mohela on XX/XX/18 after being on hold for nearly two hours about my payment being incorrect. Under the SAVE plan I was estimated at {$100.00} on their site as well as on federalstudentaid.gov. Theyre attempting to charge me {$280.00} which is payment under a standard non income driven repayment plan. It also lists a different amount under my current repayment plan the customer service representative could only repeat the amount of my loans and read off a script on repayment options, while reiterating that its just an estimate I had that same day resubmitted my application via studentaid.gov and recertified my income through mohela and studentaid.gov which the representative could not answer to me if it was accurate or if it would change it
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

DEPT OF EDUCATION/XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

Chime issued me a virtual card without my knowledge that i did not consent to a new card and they locked me out of my cash iin savings, io disputed all charges i incurred while at work or the store was closed..XXXX  listed as merchant no claims they are not the merchnat and repeatedly charged my card for ridicuous quantities of items bank statements dates, amounts just dont match anything in my XXXX or XXXX history and several purchases made in one visit at XXXX,, I have XXXX.. I mow my lawn that is it. And i was at work to boot, I can document the time and date. This has been dragged out since XX/XX/XXXX  when i never received {$77.00} worth of seeds.. and no tracking number for proof of delivery. and then it was none stop and i lost my son and my husband was diagnosed with XXXX and I had paid no attention to my accts because i did not access them or need to access the accts and i had no reason to check.. but some {$1800.00} is gone with nothing to show for it,, and the XXXX rreceipts get emailed and a hard copy if I even set foot in a XXXX.Chime is telling me i have no proof of purchase.. and that is exactly right! Nor do I have a tracking number to verify the delivery. I am addresseed in emails as XXXX,, that is not my name of nicknmae.and chime permitted my husband access to my account by verifying my dob and last 4 of my social and we have not in 24 years of marriage ever shared or had a Joint Account. So somebody else has my infoand linked unknown newky isssed virtual card to my chime app,, and again unknown attempts are being made.. i have XXXX cents in the account! nobody will provide me with one single tracking number but XXXX did offer to send me a dress... ..no clue!! I dont do commerce on the Sabbath.. and I start work at XXXX XXXX XXXX,, i work form home... I would not be at XXXX making several transactions at XXXX XXXX... .or sevral transaction... I owuld make one transactionone time,, and i dont shop ay XXXX... I shop at XXXX  they have ignored my requests for over a year now and they keep replace debit cards without consent and are interferring with mu financials as if i granted poa to all of them-
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being.I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX 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
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (TX)

Prosper Market was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote Prosper Market a check, Paid to the Order of the United States Treasury. It wa n't until then that Prosper Market sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and Prosper has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. Prosper Market is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Consumer complaint received 2024-07-18
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. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX  stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 records of convictions 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXX XXXXXXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX Balance {$25000.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-07-18
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. (WV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$290.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-18
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. (VA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$980.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-18
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. (TX)

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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-27
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. (NY)

My credit report is showing late payments to XXXX XXXX  XXXX. XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please repair these accounts ASAP.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$860.00} XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$610.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$900.00}