davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (VA)

I have unauthorized inquiries on my credit report and need them removed ASAP! I will attach my report with the FTC. 
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
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NV)

I have had this card for a awhile the XXXX card with Celtic Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC (TX)

I was working with Rocket Mortgage to get a cash our refi to payoff some credit card debt. My credit score wasn't high enough even though I pay all my bills on time. They said that since some credit cards are at or near the limit my score was too low. They referred me to someone that was supposed to help me increase my score enough to continue with the refi. The said someone would call me to help. I received a call from XXXX XXXX. I thought he was with Rocket Mortgage, but he is with another company called XXXX XXXX XXXX. However his email is XXXX. He told me that if I applied for a loan with Rocket Loans and pay off two of my current loans, my score would increase enough to do the refi. The plan was then to payoff credit cards and the loan obtained by Rocket Mortgage. I was approved, obtained the loan, and paid the credit card and line of credit he suggested. However this did not increase my score at all. I was charged a fee of {$290.00} by Rocket Loans. I have a higher interest rate and higher payment than on the other two loans. So the only one that benefitted from the transaction was Rocket loans. The get the fee and the interest and I suspect XXXX XXXX will get some kind of incentive the referral for loan. This did not benefit me at all. In fact, I am in a worse financial position than I was before the transaction. I feel that Rocket Loans is pushing people to obtain loans from them just to generate revenue their company. It doesn't benefit the consumer at all. This should be further investigated to see how many they have promised an improved credit score when obtaining a loan from Rocket Loans and then this ends up not helping at all. It's just a revenue generating scheme.
Consumer complaint received 2024-04-25
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. (MN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-25
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. (CA)

I have written to this company on the following dates '' XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX '' about some erroneous information that appears on my credit report. However, their lack of response indicates that they do not consider this matter to be of sufficient importance. These negative items that should not even be on my credit report have caused me so much tension over the past few months, yet this company does not appear to be responding to my request, which is a violation of my consumer rights. Documentation is being gathered in its entirety as evidentiary support in anticipation of my legal proceedings.
Consumer complaint received 2024-04-25
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. (CA)

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$7500.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX  - XXXX {$370.00} XXXX - XXXX {$600.00} XXXX  XXXX XXXX - XXXX {$600.00} XXXX XXXX XXXX XXXX - XXXX {$570.00} XXXX XXXX XXXX - XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$3400.00} XXXX  - XXXX {$310.00} XXXX - XXXX {$0.00} XXXX - XXXX {$690.00} XXXX XXXX  XXXX - XXXX {$470.00} XXXX - XXXX XXXX {$330.00} XXXX XXXX - XXXX XXXX XXXX {$180.00} XXXX XXXX - XXXX {$360.00} XXXX - XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX - XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AR)

With Freedom Mortgage ( who purchased my mortgage ), has refused to pay my private insurance provider ever since they have acquired my mortgage. The XXXX previous years, they have refused to pay my home insurance due to not receiving the declaration document from my insurance provider before paying the renewal invoice. I paid the insurance company myself at the end of XXXX, last year I had to fight with them to pay the insurance renewal invoice, while they were telling me it was the insurance company, and telling the insurance company that I myself wasn't following up on my end. I went to the insurance company and called the mortgage company in the presence of my insurance agent, which led to he said, she said ( an argument ). This year, they are claiming that they do not have the current property address on file, that's why they won't pay my insurance provider. My property address was changed in XXXXXXXX XXXX XXXXXXXX, to a XXXX address. I have sent them the XXXX XXXX change of address paperwork for the last XXXX years, in which they have not updated their system and the address was already in affect when they acquired the loan. Freedom Mortgage is using bulling tactics to provide me with insurance through them. I have also recently came out of the Forbearance plan, in which I receive calls to catch up on my mortgage, which starts in XXXXXXXX XXXX XXXXXXXX, and they are stating their system isn't updated to reflect this, but they can see it in there " notes ''. I want this yearly harassment to stop! They expect me to do my part, I want them to do there part.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Consumer complaint received 2023-08-25
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (VA)

FACT BILL AMOUNT WAS XXXX PAID PAYMENTS IN THE PAST - PAYMENTS MADE IN FULL!! I HAVE OVER CHARGED AND HARRASED I DEMAND COMP FOR MY MENTAL AND EMOITONAL DISTRESS REPORTING MY PRIVATE INFORMATION TO ALL CREDIT B. NEED TO REMOVE FROM CREDIT REPORT IMMEDIALLY BIL IS PAID IN FUL AND THE OVER CHARGED DID NOT REPORT TO THE CREDITOR PAYMENT IS BEEN MAD IN FULL. 
FEDERAL CONTRACTOR WORKING FOR CREDITOR COMPANY HARRASSED ME DAILY, VIA TEXT, PHONE CALLS, POLICE REPORT FILED\ NEED REMOVE FROM FROM ALL CREDIT REPORT AGENCIES AND DATA AGENCIES. A POLICE REPORT HAS BEEN RECORDED WITH ALL POLICE AGENCIES INCULDING ALL FEDERAL AGENCIES THAT HELP HARD WORKING AMERICANS THAT PAY TAXES!!
Consumer complaint received 2024-04-26
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

The IRS issued a check in my name for my tax refund ( almost {$3000.00} ) dated XX/XX/2023. I never received the check in the mail, so I followed up with the IRS. The Bureau of the Fiscal Service ( BFS ) got involved and determined that the check had, in fact, been cashed. On XX/XX/XXXX, the BFS provided me with a copy of said check, which showed that someone had forged my signature to endorse the check and cashed it at a JP Morgan Chase Bank location on XX/XX/2023. There is another signature underneath " mine '', which I suspect belongs to the person who forged it. I've never had an account with Chase, nor do I know someone with that name. 

In order to file a comprehensive Claim Form ( FS 1133 ) with the BFS including as much information as possible, I immediately got in touch with Chase to figure out at which branch the check had been cashed and how a stranger could have been able to cash it. While the Chase representatives told me the branch location where the check was cashed ( XXXX XXXX XXXX, XXXX, NJ XXXX ), they did not provide me with any information on how the check could have been cashed. They instead told me to get in touch with my bank ( which has nothing to do with this matter ). I did call my bank anyway and talked to a fraud specialist. He suspects that Chase never asked for a proper form of identification to begin with. 

I would like to know : Did the person who cashed my check ( and probably deposited the funds into their personal Chase bank account ) show any form of ID? If so, might I have to take steps to protect myself from identity theft/further damages? And if not, why was that person not asked for ID?
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I have overdraft protection turned off on my account. I did this so that I wouldn't go into a negative account balance, with the expectation that any transactions would be declined that would put me into a negative balance.

When I saw that not only did Chase allow for these transactions to occur, but I was charged {$34.00} overdraft fees PER TRANSACTION, one of which was under {$10.00}. 

I called Chase and they said that, regardless of me declining the overdraft " service '', that ultimately it was " to Chase 's discretion '' which transactions were covered and that Inhad no control over which transactions were declined or not. 

Per H.R. 4277, the Overdraft Protection Act. " Specifically, the bill would require financial institutions that offer overdraft coverage for accounts to disclose : ( i ) the specific amount of overdraft coverage fees ; ( ii ) that the consumers transaction may be declined if there are insufficient funds in the account; and ( iii ) that the consumer will not be charged a fee if the transaction is declined. The bill also requires prompt notice of an accounts overdraft status, limits the number of overdraft coverage fees a consumer may be charged in a given month and year, requires that such fees be reasonable, and prohibits a fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. Finally, the bill further restricts financial institutions from charging a NSF fee for any ATM or debit transaction and from reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program. ''
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, Ive tried to dispute this negative impact on my report from the lending club. Ive stated serval times that they did not notify me in regards to a charge off on my account. I spoke to representatives they didn't tell me my account is past due these days in delinquent status. I scheduled a XXXX payment on the account. That was it. I didn't receive an email, a letter by mail, or a call regarding this account status being close to a Charge off. I spoke to someone regarding this matter they said it reached its maturity date. So went on and charged off my account. Its hurting my credit report poorly. I settled the debt of the XXXX. All Im asking that this negative reporting be removed off my credit report. Thank you!
Consumer complaint received 2024-04-26
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. (NC)

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 information is inaccurate.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 XXXX  Account Number:XXXX has violated my rights. Or a 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.