davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (PA)

CHASE assumptions was E-Faxed the signed divorce decree on XX/XX/2024 at XXXX and again on XX/XX/2024 at XXXX., from two XXXX CHASE XXXX XXXX 

They had previously been sent court documents showing I was under court order to have the assumption completed within 60 days after the signed divorce decree. 
For two weeks CHASE assumptions continued to say they NEVER received either E-Fax. AFTER a CHASE branch manager filed with CHASE escalations., only then did CHASE assumptions agree they did, in fact receive the decree. 

But, then for over a month, know I had no time left, continued to say it was an incomplete Divorce Decree " Because it wasn't signed by a judge 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly signed this decree on XX/XX/XXXX. 
I had to refinance asap as time was running out. There was no way I could open up a new application and have enough time before XX/XX/XXXX, and CHASE assumptions knew that. I now have a mortgage at double the interest rate, closing costs, and an auto loan I had to pay off to quality. Because CHASE assumptions writes, " There was a miscommunication regarding the judges signature? '' The decree clearly has a judges signature. 

XXXX XXXX, XXXX, My second application was over night mailed to CHASE assumptions with every document they needed, including current pay stubs, bank statements, recorded deed in my name, insurance in my name, updated credit report, etc ....
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-01-13
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. (OH)

The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the XXXX surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the XXXX XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the XXXX, we request the immediate deletion of all listed accounts. 

XXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Moiharwin Diverisfied Corporation (NV)

On XX/XX/XXXX I sent to Vegas Valley Collection Service two letters ( two different collection efforts ) under the Fair Debt Collection Practices Act Section 809 ( b ) regarding validating Debits. I requested the following XXXX. The amount of the debt XXXX. The name of the creditor to whom the debt is owed. 
XXXX. Verification or copy of any judgement ( if applicable ) XXXX. Proof that you are licensed to collect debts in XXXX  XXXX. Proof of the last payment made on the account. 

As of XX/XX/year> all I have received on XX/XX/year> is a bill demanding payment or a negative mark on my credit report that states : Dear : XXXX XXXX This account has been assigned with our office for collections. Unless you notify this office within 30 days after receiving this notice your account will be reported to the credit bureaus. This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 

I will be resending my original letter from XX/XX/year> to them to restate they have now violated my rights under the Fair Debt Collection Practices Act, Section 809 ( b ).
Consumer complaint received 2023-05-02
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: Motolease, LLC (CA)

I am in possession of the documents submitted by Motolease as proof that I obtained a lease from them. They did not provide anything with my signature, nothing showing they verified my identity other than a drivers license which is not proof that I am the lessor. The email does not match my name and they did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide documentation of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law.
Consumer complaint received 2024-06-11
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. (CA)

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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$99.00}
Consumer complaint received 2024-06-10
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. (LA)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americor Funding, LLC (CA)

i had issues with old credit cards from my previous work. i found out i owe a lot of money. i hired XXXX XXXX to settle with my creditors. which they did after collecting large sum of money from me during monthly payments of {$1700.00} for almost 18 payments. then XXXX told me that they can complete all settlements if i was to get a loan from their lending company which is CREDIT 9. i agreed even though it is at almost 25 % because i knew once i settle i can then barrow money against my house and pay off their high interest loan. when i attempted to barrow the money from another company against my house i found out that upstart had falsely reported the debt as charge off which had effected my credit rating so bad that i can no longer barrow money until i pay off the credit 9 which is their company anyways. i have called so many time to try to fix it with them and they keep bouncing me back and forth between them and i get no where. i have calculated that at the end of this scam i would have paid more to upstart than my original lenders. i have hired an attorney to deal with my ex employer and their credit charges. but i really need help with this company. this is a scam to make sure i can get another loan. this company appears to be operating under several names XXXX XXXX XXXX XXXX  credit 9 XXXX americor. please help
Consumer complaint received 2023-04-19
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: Army and Air Force Exchange Service (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions. 

15 USC 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 2024-01-13
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. (TX)

This complaint is for the multiple late payments found on my credit report as of XXXX XXXX XXXX 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction -Transaction 1 : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX 

15 USC 1681e 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. '' Transunion, XXXX, & XXXX are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

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 ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio recovery requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call Portfolio Recovery associate sent a request for XXXX to remove XXXX and XXXX from credit my report for the second time.
Consumer complaint received 2024-01-13
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. (NJ)

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 complaint received 2024-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AL)

In XX/XX/XXXX, my property manager did an online bill pay through his bank XXXX XXXX  ) to send a check to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent a check via mail to the address. The check was deposited on XX/XX/XXXX to a different account. XXXX has filed 2 claims and both have come back stating that Chase deposited the check to the wrong account and Chase needs to fix the problem. XXXX has also had a difficult time finding someone at Chase to talk to about the issue. I've spoken to numerous Chase representatives since XXXX to resolve the issue, but because they don't have a copy of the check, they can't do anything. Chase has told me the only way to fix the problem is to go to a local branch and give them a copy. I drove 2 hours to the closest Chase branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The branch manager said this will be easy, she used all her tools necessary to find out where the check went. She called back XX/XX/XXXX and said no one wants to handle this issue. There's nothing else she can do. I have a copy of the check with the deposit numbers on the back. There is a papertrail on my account that this way of paying me isn't new, there are numerous checks that have been deposited correctly, except the one for XXXX. I don't know who else to call, as Chase repeats that they can't help me. If the branch manager can't help me with all the tools she has, what else is there to do? The amount of the check is XXXX. The check has my correct account on it. There is nothing incorrect about this check. XXXX  did not do anything wrong. This is a simple case if Chase would just do their job!!!
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

1. Company sent me notification that my account was upgraded to a World Elite Mastercard ( WEM ). the upgrade was fake. my account was NOT recoded or upgraded to a WEM. i do not have the benefits and privileges of a WEM. I do not have the starting credit line of a WEM. My website interface does not match other cardholders who hold a Capital One WEM. i also do not have the company 's advertised services or upgraded contact/communication support that other Capital One cardholders have.

2. Company denied my request for CLI stating 2 untrue/false reasons as the reasons for denial : 1st false reason - account was just given a CLI. this is not true because i was given a CLI over 6 months ago of only {$100.00} from my starter credit line of {$500.00}. it was not a recent CLI, as company stated.

3. 2nd false reason is the use of my card was adequate. i have attached statements to show this reason stated by the company is also not true.

4. Malicious Capital One account managers have flagged my account for internal abuse and harrassment. Capital One 's internal operations blatantly discriminate against and mistreat customers. Capital One should be investigated to see if it is in compliance with federal laws.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (AR)

Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( NETCREDIT ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit Attn : XXXX Department XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.
Consumer complaint received 2024-01-13
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. (FL)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in dates of ( XX/XX/2023 ) ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updates to paid on as they should be due to that I was never late. Thank you very much. Please see screenshot attached.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I was referred to a solar company for service. They came and did a presentation telling me how much I would save and all the incentives that I will have from choosing their company. I signed up for the service and read all the paperwork to make sure I knew what I was signing. At no point was I told or signed for a loan. I was trying to do some business with my home and it was bought to my attention from the bank that I had a {$46000.00} loan on my XXXX. I reached out to the bank to find out where the loan came from. Low and behold it was from the solar company, XXXX XXXX who applied for loans at 5th Third Bank. I asked for the copy of the loan papers they told me I signed for. I received a copy in the mail and I was able to review it. The signature and initials on the documents are not mine. I went ahead and file a complaint at the police department in XXXX, XXXX. The bank is doing an investigation and the solar company is saying the debt is mine.
Consumer complaint received 2024-01-13
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. (NY)

A notice was sent to transunion last year as attached that the report must be removed from my credit. I now have a letter from XXXX XXXX and also a deletion from XXXX  attached below to show that this has been confirmed to be removed.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

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  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-01-13
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. (VA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts ; letters are attached below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.