davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (MA)

I withdrew {$800.00} ( US ) cash from my Chase checking account on XX/XX/year>, at the XXXX XXXX, Massachusetts branch to create a Money Order through that bank. I mailed the Money Order to my Payee, who told me they never received it. So, on XX/XX/year>, I visited the same XXXX XXXX branch to file a claim. The branch rep spoke with XXXX in the Chase Claims department, who researched the Money Order and found that someone had stolen it, whited-out my Payee 's name, and written their own name, XXXX XXXX as the Payee. The branch rep printed out a copy of the fraudulent money order - front and back for my records. The back side showed that this money order had been deposited into a Chase ATM into XXXX XXXX XXXXXXXX XXXX account. The branch rep gave me a " Declaration of Unauthorized Endorsement or Altered Item '' Form to fill out and submit based on XXXXXXXX XXXX  guidance. However, when I called the Chase Claims Department on XX/XX/XXXX, the Claims specialist told me I did not need to submit this form because it was a Chase-to-Chase transaction and was less than {$5000.00}. I also received three phone calls from XXXX, my assigned case manager on the Chase Escalations team who advised me that my claim had not been processed and that I need to contact the Claims team regarding an " altered money order. '' So, I called the Claims team four more times to get four different answers regarding my claim. Every phone rep advised me differently. Two said I needed to complete the " Altered Item '' form, and two others said I did not. Having invested more than eight hours of my personal time, I finally asked to speak with an account supervisor, XXXX, who did further research and confirmed that I do not need to complete any forms in order to receive my {$800.00} ( US ) funds back and that I will get my funds back in 30 days. I also asked XXXX to file a formal complaint on my behalf with Chase for mishandling my query over the period of five days and requiring me to follow up so many times and needing to speak with so many people about a simple transaction that could have been clarified and addressed initially when I visited the XXXX XXXX branch.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NC)

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. XXXX XXXX  is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years. 

This account is an adverse item they are reporting again without my permission which is against the law. 
15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. 
Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: HILLTOP HOLDINGS, INC (PA)

I was charged late fees, but I did actually make my payments on time. Once on XX/XX/XXXX and once on XX/XX/XXXX. I made those payments on time, however each payment was {$87.00} short. The total amount that I owed went up, but I was not aware. I believe they went up due to the real estate taxes increasing, so my escrow account was short. 
However, because the payment was short by {$87.00} those XXXX times, Prime Lending rejected my payments and sent them back. They said they could not accept partial payments only full payments. So they sent my payments back. By the time that I got notice that the payment had been sent back and then resent another payment for the full amount, the second payment was technically late. They would not allow me to simply make a payment to make up the difference owed. My payments were never late, just short. 
I was charged a {$35.00} late fee each time. {$35.00} due to an {$87.00} shortage on the payment. These fees seem like predatory fees and I asked that they waived the fees, but after XXXX rounds of go around they still said no. They said they can only waive XXXX late fee per 12 months. They received my payments however it was short by XXXX  % ( my mortgage is {$2400.00} and I paid {$2300.00} ) I have bank statements and communicating documenting everything.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Between XX/XX/2023, I fell victim to XXXX multi-layered scam operations run XXXX  which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase Bank account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-04-18
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. (NJ)

I am writing to express my profound dismay at the flagrant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these erroneous entries remain unaddressed. 

Your failure to rectify these accounts, despite clear evidence of their fraudulent nature, represents a blatant disregard for the laws governing accurate reporting. It is apparent that the bureau is neglecting its duty to adequately investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already taken corrective action by removing these accounts from their records following the submission of an FTC report and thorough investigation. 

The following accounts require immediate action : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-04-18
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc. (TX)

Phone call to Experian began about me asking about why they had deleted a perfect rating from XXXX XXXX only to find out that I have to call and get XXXX to refill out a form to have it placed back on my experian account, even though it is Exp. mistake. I have then asked why a XXXXXXXX XXXX XXXXXXXX has not supplied me with Debt Validation letter from the company XXXX months ago and what I could do. On a recorded line from myself I asked if Exp. Could send me validation so I would have something to prove my dispute. She explained to me that a letter wasnt sent to Exp. Either and that the repeated validation from Exp. Was sent to them internally? With nothing from the company to relay I sent a letter to Exp. and XXXX XXXX XXXX describing that I have nothing to Dispute but what Exp. Is reporting. I feel that there are many consumer laws in place to protect me from this? Although through CFPB which is why Im reaching out to you says that XXXX ( XXXX ) XXXX ( c ) XXXX. So what I understand is everything that Im sending to correct my report can be validated by a person through Internal ) just validates information on my stolen identity. Also validation was given on XXXX credit cards for 8months that was proven to not be mine which from what I see now why it takes so long. It really discourages me that Exp. Really works like this. Exp. does exactly what debt collectors tell them to do and the consumers have no rights. Experian is a complete scam and all are in on taking money from Consumers. BTW. when I reached out to XXXXXXXX XXXX XXXXXXXX by phone they needed my Social Security Number to talk to me? I feel Bureaus are the ones to blame for everyones identity being stolen and I shall look into providing information in the future.
Consumer complaint received 2024-04-18
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. (AZ)

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I am a victim of identity theft. The following information on my credit report is not associated with any transactions I have made or authorized. This is due to identity theft. Please remove this information from my credit report under section 605B of the Fair Credit Reporting Act and notify all relevant information furnishers. Despite having a credit freeze and a fraud alert in place, I discovered numerous discrepancies and accounts opened without my consent. My personal information was stolen during breaches at both XXXX and XXXX XXXX XXXX. I have filed an official report with identitytheft.gov and a police report with my local authorities.
Consumer complaint received 2024-04-18
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)

I am a victim of identity theft. There have been several accounts opened without my consent and are reporting on my credit report. I have filed a complaint with the FTC as well as disputed the inaccuracy of the account with the creditor. This account has not been removed from my report, it continues to be updated and verified when in fact it does not even belong to me. I have a fraud alert on my Experian credit report and was not contacted prior to this account being opened. This fraudulent account is making it very hard for me to obtain credit or to purchase a home because it is reporting as a derogatory trade account. More than XXXX times I have contacted the creditor and the reporting agencies and nothing has been done. The account is severely past due and accruing more interest and reporting with a negative history. As a consumer it is unlawful to be held responsible for an account in which I had no affiliation. I am requesting that the accounts listed on my FTC report be deleted and blocked.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-18
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 to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. Despite multiple attempts to address this issue, the fraudulent entries persist, and I am growing increasingly concerned about the impact they may have on my financial standing.

As outlined in my previous correspondences, I have provided extensive evidence to support the fraudulent nature of these items. However, it appears that the necessary actions to remove them from my credit report have not yet been taken.

I understand the complexity involved in investigating and resolving such matters, but it is crucial that these fraudulent items are promptly removed to ensure the accuracy of my credit report. The presence of inaccurate information could have serious repercussions on my ability to access credit and financial opportunities. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$340.00}.
Consumer complaint received 2024-04-18
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. (TX)

Good afternoon, it is XX/XX/XXXX and I have or had a loan with the XXXX XXXX XXXX for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much
Consumer complaint received 2024-04-18
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your assistance.
Consumer complaint received 2023-10-29
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: EQUIFAX, INC. (TN)

I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my report.
Consumer complaint received 2024-04-18
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. (PA)

please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$320.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$450.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$2000.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$900.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$920.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$4600.00} Account Name : XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$6100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1200.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to express my extreme dissatisfaction with Experian 's handling of a dispute letter and subsequent complaint I filed regarding inaccuracies on my credit report. Despite numerous attempts to resolve this matter in a timely and appropriate manner, I have been met with silence and neglect on the part of your company. 

On XX/XX/2024, I submitted a formal dispute letter to Experian regarding inaccuracies on my credit report. Attached you will find a copy of the original dispute for your reference. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, XXXX XXXX Code XXXX, Experian is obligated to investigate and respond to disputes within 30 days of receiving them. However, I have yet to receive any acknowledgment or response from Experian regarding my dispute. 

In light of Experian 's failure to respond to my dispute letter within the allotted time frame, I escalated the matter by filing a formal complaint on XX/XX/2024. I received confirmation of my complaint under ID XXXX, indicating that Experian 's XXXX was " in progress '' as of XX/XX/2024. Despite this acknowledgment, I have not received any further communication or resolution from Experian. 

It has now been well over the XXXX and XXXX periods stipulated by the FCRA, and Experian has XXXX to fulfill its legal obligation to investigate and respond to my dispute. This failure to comply with federal law is not only unacceptable but also indicative of Experian 's disregard for consumer rights and fair credit reporting practices. 

I am deeply concerned that Experian is abusing its power under the FCRA and failing to uphold its responsibilities as a credit reporting agency. This negligence has resulted in undue stress and financial uncertainty for me, as the inaccuracies on my credit report have the potential to impact my financial well-being and future opportunities. 

I demand that Experian promptly investigate my dispute and provide a comprehensive response in accordance with the FCRA. Furthermore, I expect Experian to take immediate corrective action to rectify any inaccuracies on my credit report and ensure that my rights as a consumer are fully protected. 

If Experian fails to address this matter satisfactorily within a reasonable time frame, I will have no choice but to pursue legal action to enforce my rights under the FCRA. I trust that Experian will take this matter seriously and prioritize the resolution of my dispute without further delay. 

I anticipate your prompt attention to this urgent matter and request confirmation of receipt of this letter. Please contact me at the earliest convenience to provide an update on the status of my dispute and complaint.