davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

On the XX/XX/XXXX, I was restricted access to my bank. I contacted chase immediately and they had mentioned my account was under review. Coming from someone who has absolutely never broken the law and never would, I was completely shocked when they told me this. I decided to wait for them to contact me and tell me I had access again, but I received no call. I asked for more information on what was happening and they said they cant tell me and I had no rights apart from waiting for a call from an XXXX number. Its been a month now and they are still holding my money. This has caused my credit score to drop drastically as I didnt pay my credit card on time, and has put me in a really difficult place financially.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :
Consumer complaint received 2024-07-26
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

n 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. XXXX  Account # 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. 

Dept Ed / XXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

For XXXX  months in a row ( XXXX and XX/XX/2023 ) the amount Mohela states on their website I owe is different than the amount of my income driven repayment plan. Both months when I have submitted a payment ON TIME they have continued saying I am past due on my account even though I paid an amount greater than the amount owed. The XXXX  month I thought I had made a mistake however this repeated the next month as well. At this point I have made XXXX payments ( XXXX XXXX and XXXX ) on my account this month all greater than the listed amount owed prior to or on the due date ( XXXX ) however the website continues to say I am past due. When I attempted to pay this amount XXXX TIMES the website makes me toggle over the loans I am paying and after I do so it gives me a different amount owed. XXXX DIFFERENT AMOUNTS, always higher than the " amount due '' and once paid I am continued to be past due. I have called twice, spent XXXX hours on the phone on XXXX and was disconnected when the " supervisor '' finally answered the phone and received no call back despite being told I would receive a call back if we were disconnected. I call again today on XXXX and am told I have a different overdue amount that yesterday despite not making any further payments and all XXXX previous payments had cleared my bank account prior to yesterdays phone call. I have now been on hold for XXXX hours and XXXX minutes waiting to talk to another supervisor. All I am trying to do is pay the accurate amount owed and no one there can even tell me how much that is.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XX/XX/XXXXXXXX Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX NA Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
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. (GA)

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 

As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at XXXXXXXX XXXX on XX/XX/2023, I was informed that XXXXXXXX XXXX  only reports 60-day late payments and not 30-day late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX {$2100.00} 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc. (WA)

Im being asked to provide {$100.00} by Credit Corp Solutions. This is them saying that its something from XXXX. I provided documentation from my bank where {$100.00} dollars were sent to XXXX around the date of this debt collection creation. XXXX also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like XXXX sending me to collections, then me paying, then XXXX not doing due dilligence and contacting the debt collectors. Either XXXX or credit corp solutions not doing their required work and asking me to prove why I dont owe the debt.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with ( XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 

( XXXXXXXX XXXX XXXXXXXX ) 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 2023-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (AZ)

We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$420.00}, XXXX in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Midland Mortgage , a division of MidFirst Bank XXXX XX/XX/XXXX. They accepted my instrument but did not credit my account. I did call on XX/XX/XXXX and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX, a supervisor ; this call has been recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Please see attachments. I've also sent them readings on the " Banking Act of 1933 ''.
Consumer complaint received 2023-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (CA)

I am writing to formally address the ongoing and egregious violations of the Home Equity Line of Credit ( HELOC ) Agreement, as well as the Real Estate Settlement Procedures Act ( RESPA ) and pertinent consumer protection statutes by Specialized Loan Servicing LLC ( hereinafter referred to as " SLS '' ). This correspondence serves as an official notification of the breaches of contract that SLS has committed and continues to perpetuate. 

SLS is in clear violation of the terms stipulated within my HELOC Agreement, specifically concerning the obligation to provide monthly statements delineating the status of my account. Despite the explicit terms mandating the provision of these statements ( section 4b. ), SLS failed egregiously to fulfill this fundamental obligation, constituting a direct breach of our contractual agreement. 

Furthermore, in accordance with RESPA and other consumer protection laws, SLS is legally bound to comply with the requirement of furnishing monthly statements to borrowers. The consistent failure to provide such crucial documentation not only violates our contractual arrangement, but also constitutes a violation of the aforementioned federal statutes designed to safeguard consumers. 

Repeated attempts on my part to rectify this matter through communication and also filing complaints with SLS, have been met with disregard and an absence of appropriate action.

SLS has regrettably neglected to acknowledge its breach of contract and the concurrent violations of RESPA. Such behavior is unacceptable and undermines the trust and obligations inherent in our contractual relationship. 

It is pertinent to note that this is not an isolated incident, as evidenced by the Consumer Financial Protection Bureau 's Consent Order against SLS, highlighting prior transgressions concerning RESPA. This recurring pattern of non-compliance with federal laws demonstrates a systemic issue that requires immediate rectification on the part of SLS. In light of the aforementioned breaches and consistent disregard for contractual and statutory obligations, I demand prompt remedial action. Specifically, I insist on immediate rectification of the failure to provide monthly statements and a comprehensive plan to ensure future compliance with the terms of the HELOC Agreement and relevant federal laws. Please consider this correspondence as an earnest attempt to amicably resolve these concerns. Your prompt attention to this matter is anticipated and appreciated.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION and XXXX is reporting an inaccurate information/ account in my credit file. This is not my account and belongs to someone with similar name or information. The account is being reported twice in my credit file with XXXX. This is inaccurate reporting under FCRA rules/ laws. 
The Account is XXXX XXXX XXXX XXXXXXXX Account # XXXX There is other inaccurate accounts being reported as well. These accounts are over 7 years old. I requested for this inaccurate account to be deleted but XXXX. and XXXX have refused to delete this account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-07
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-26
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. (DC)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-07
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. (TX)

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

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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