davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (OR)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX ( this is the second account listed with this company ), XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX ( there's two accounts listed with this company ) , 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 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I got " timed out '' on my long explanation, so here is a quick summary because I'm not repeating everything. Fix your website. 

Chase Bank is not reversing a fraudulent charge on my account for {$1500.00} made on XXXX XXXX by a company named XXXX XXXX XXXX. 

Chase received " documentation '' from the same people who defrauded me, and are using that to bolster their case against me. I also received emails stating an order number, delivery notice, and other " promotional '' emails from the same company. I do not know who this company is, and certainly did not purchase a " XXXX XXXX '' from them. 

I do not buy things that cost {$1500.00}. I went to the website and it looks like a stationary bike for use at home, like a XXXX. I think those are stupid, and would never even think about buying one. My mother and father live with me, and they would have noticed a huge exercise bike being left on the porch! If Chase Bank would check with XXXX, they would see there was no record of delivery, or the order at all. Even if it was shipped to another address, that would still confirm it wasn't made by me! 

All I want is my money back. Is that too much to ask for? {$1500.00} might not mean anything to Chase Bank, but it means everything to me! I don't understand why Chase Bank is using evidence from the people who stole from me to justify their position in this case.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (LA)

I XXXX XXXX XXXX, was contacted by XXXX on XX/XX/year>, on a collection of an alleged debt sent to CMI group a debt collector which I didnt consist of and they lied and said I did, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that XXXX XXXX had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. XXXX. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue XXXX XXXX by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. There was also additional attempts for larger amounts -- This transaction was from the same company XXXX XXXX XXXX XXXX for the amount of {$630.00} on XX/XX/year> -- XXXX ), this transaction was denied due to insufficient fund. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts. The bank denied my transaction saying that I authorized this payment. The payment is from a company in NJ based on the information from the statement and I live in Oregon. There was also a Police a report filed for the unauthorized transaction,
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. 

There was also additional attempts for larger amounts from the same merchant that were denied. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (CA)

Thursday, XX/XX/XXXX sent dispute letter to all XXXX bureaus and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the bureaus said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were XXXX XXXX XXXX {$470.00}, company 2 was XXXX XXXX XXXX XXXX XXXX  balance, company 3 is XXXX XXXX XXXX balance, then on XX/XX/XXXX I sent dispute letters to XXXX XXXXXXXX and asked for the same thing from the bureaus to delete my information and show me how the verified my information they said they would delete it, it still shows up in all 3 bureaus when they said information was deleted, then on Sunday XX/XX/XXXX I sent a dispute letter and asked the bureaus and collection company XXXX XXXX XXXX to remove the account off my credit or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all three bureaus never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the bureaus and to stop harassing me for accounts that claim they deleted. Last but not least I sent a dispute letter to lvnv funding llc and the credit bureaus the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the 3 credit bureaus which these companies stated they deleted it off the bureaus and have not and its hurting my credit score, please help me get this problem fixed with these collection companies and all 3 credit bureaus XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Consumer complaint received 2023-03-18
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (NV)

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed. 
I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Consumer complaint received 2023-05-23
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. (NY)

XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

On XX/XX/XXXX, I attempted to refinance to get away from Select Portfolio Servicing, as my mom had trouble with them for many years prior. My loan processing was going through until Select Portfolio added on a {$56000.00} processing fee that killed the loan. Further, at the time, the amount left on the loan was {$42000.00}, which is important to remember based upon the current issue. I also wanted to get the loan into my name, as my grandmother left me the house and everything is in my name. XXXX XXXX XXXXXXXX, the original lender, had me as a party on the account, but Select Portfolio kept removing me and making me run through hoops to get put back on ( my grandma is now deceased and I am in charge of the estate ). In XXXX of XXXX, due to my condo association not accepting cash payments, Select Portfolio started paying my condo fee and changed my escrow/p and I payment to XXXX. Of this, XXXX was for principal and interest, XXXX was for taxes, XXXX was for the condo fee, and the rest, or roughly XXXX was to pay back the negative XXXX in my escrow. It was assumed that after 10 months, my escrow would be back to positive ; however, Select Portfolio kept this payment going until XX/XX/XXXX when they raised my payment to XXXX a month AND said my principal and interest was raised to XXXX a month. When I asked them to run an audit and explained I was owed money ( it took them 4 years to even talk to me, as they kept saying I needed to fill another form or they lost this one and 15 phone calls ), they instead sent me a letter saying their calculation was correct and my escrow, which I have overpaid, was negative XXXX! I asked for a full breakdown of everything going in and out of the escrow to find out they were taking money and not crediting my payments anywhere, with XXXX here, XXXX there, XXXX another time, all adding up to the negative they were claiming but it was going nowhere. I wrote to them to do an audit this time, after they refused to acknowledge my request the first time ( on recording ) and, when calculating what was owed back to me on overpayments was nearly {$13000.00}. Then, I saw my balance was up from XXXX to now XXXX ( meaning they didn't credit payments at all ) and the {$56000.00} was now an advance, even though there was no advance to the account for anything and no explanation. Further, because they refused to fix my payments, even though I would make multiple payments a month, they started charging late fees that are erroneous. AND, they constantly make mistakes on my condo association fee, which was the whole issue in the first place, where they're constantly late on payments or send in the wrong amount.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

I have spoken with a chase representative in 2023 about a payment, I was informed that my account was up to date. After speaking with the representative, the informatioan she had given me was incorrect. I called in before and was told I needed to make another payment to catch up and the other representative was wrong. After making another payment, thinking my account was up to date, I saw that it was not. Spending weeks trying to rectify the inacuracy of my account, I saw that it was a never ending battle so I made an extra payment to be safe. 

Now, as I try to resolve this inaccuracy from misinformation from chase representative, looking at my credit report, I see it was not resolved. I was told that they can not give me a waiver, which I am not asking for. I am asking them to resolve their mistake. I am a retired veteran and I have been very sick from the after effects from the XXXXXXXX XXXX  and still to this day, trying to recover from it. 

I would like chase to remove the inaccuarcy of the two wrongful placements of the 30 day late payments from XXXX and XXXX of 2023.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

To address my case effectively, the Consumer Financial Protection Bureau ( CFPB ) should promptly review all relevant documentation and evidence, thoroughly investigate the issues at hand, and ensure that all involved parties are held accountable according to the law. They should also provide clear communication regarding the progress of the investigation and offer guidance on any additional steps I may need to take to resolve the situation. Ensuring consumer protection and upholding fair practices should be their priority.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (OK)

I logged onto my home insurance website and showed my policy was cancelled. They raised the rate {$400.00} and sent notice to PHH mortgage. PHH mortgage ignored this amount for several months until XXXX XXXX cancelled my insurance due to lack of payment. 

I think their service is overseas, so the mail must get lost, PHH mortgage is also hard to understand.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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.