davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

In XXXX of 2024 I fell ill and missed a lot of work due to XXXX  in the hospital. I called Mr. Cooper to request a forbearance as I knew I was not going to be able to pay my XXXX payment. I was told that I would be set up on a 6 month forbearance. In XXXX ( after no contact from Mr. Cooper ), I started getting calls to collect the XXXX payment. Mid XXXX, when I was finally able to speak to an agent, I was told that my loan had to be delinquent in order to get a forbearance. This makes absolutely no sense to me! I escalated the call, and was told, again, that they would place me on the forbearance. In XXXX, I still have not received a forbearance letter and am getting calls to collect a mortgage payment that I can not afford. I called them back and escalated the call again. At this point, they are now telling me that I must be 60 past due to receive a forbearance. How in the world is this supposed to help when I am struggling to even pay for my necessities? Once again, the calls are escalated with no outcome. I work for a mortgage company ( in Loss Mitigation ) and am fully aware that I only needed to be due for the XXXX payment to be placed on a forbearance. We are now in XXXX, and I am still not on a forbearance AND my credit has dropped by almost XXXX XXXX. I am extremely angry about this situation and no one seems to be able to help. I am desparely asking to place me in forbearance and correct my credit reporting. I can not even get financing for medical treatments that are now needed due to all of this.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MI)

Case Number : XXXX In summary, I did a large balance transfer of {$15000.00} in XXXX because of the 0 % APR promotion. In XXXX I signed up for paperless statements and autopay. Each month for four years I paid the minimum amount due ( approximately {$230.00} - 250 ). 

On XX/XX/XXXX I got my FIRST email informing me my statement was ready. For four years I received no email on my desktop, laptop or XXXX notifying me my statement was ready. This email revealed my statement balance was over {$10000.00}. This seemed wrong. 48 payments X {$200.00} is almost {$10000.00}. The balance should have been around {$5000.00}. 

All of my bills are paperless statements. I receive at least a dozen " statement ready emails ''. Because I get so many I simply was unaware I was NOT getting one from Chase, ESPECIALLY since I stopped using the credit card in XXXX. Therefore I was completely unaware the 0 % APR had expired in XXXX / XX/XX/XXXX. Furthermore, I was told that I never would have received a letter from Chase informing me when the 0 % APR promotion ended because I enrolled in paperless statements. 

After explaining my situation to a manager he immediately gave me a 6 month interest charge reversal of {$810.00}. Anything more than this must be approved by the corporate office ( Chase Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX ). There policy is the onus is on me to prove it was there fault. 

In this situation I disagree with that policy because this is an IT issue. It's much harder to prove IT glitches. The first corporate mediator said a Alert History proved that a " Paper Statement Notification Created '' email was created each month successfully. That is the only evidence he needed to reject my complaint. He was not open minded to consider my reasoning that this matter was due to an IT glitch. 

I asked for an appeal and got it. A second mediator researched the matter. By now I had collected more information from Chase Customer Service. My hunch was the IT glitch was corrected during a system update in XX/XX/XXXX. This explains why I got an email alert dated XX/XX/XXXX. He did not contact IT to confirm this. 

He said contact my internet provider. I did. They said check my Spam Folder. If it wasn't a IT glitch I should have had approximately 50 emails ( 4 years X 12 months ) in my Spam Folder ( because I have the auto delete feature turned off ). Nothing from Chase was present. 

In XXXX when enrolling in Paperless Statements I also selected " All documents '' and " Notices and letters ''. For 4 years I never got ANY documents, notices or letters emailed. Assuming no IT glitch doesn't that seem very unusual? 

The second mediator denied my complaint for the exact same reason as the first mediator. He said all he could do was reverse 1 month of interest ( {$100.00} ).
Consumer complaint received 2024-05-26
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. (FL)

Subject : Complaint Against [ XXXX, Equifax, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, Equifax, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report.

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, Equifax, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, Equifax, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, Equifax, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one, XXXX XXXXXXXX, and XXXX have been reporting late payment to the credit bureau. 
In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made timely payments on this account, avoiding any overdue balances. However, I'm puzzled by reports suggesting late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made if necessary.
Consumer complaint received 2024-01-29
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately.I had two late payments on account that I was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy.This account has not been on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you to 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 paid on time immediately.Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-05-01
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. (PA)

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2023-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Melar Investments, LLC (AZ)

Kino financial filed a lawsuit for a debt they allegedly purchased from a previous company. They have never contacted me to let me know the debt was transferred prior to the lawsuit. The balance that they are allegeding that I owe does not reflect the last known amount nor does it reflect the resale of the vehicle which is required to be taken off of the deficiency balance. I was never given the opportunity to dispute the validity of this debt as I have never done business with Kino Financial co. , LLC
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CO)

I was charged unexpected interest that accumulated over time. I was never informed by the company that I used to have windows installed in my home that this would be the case with the third party company used for the payment plan, which is Synchrony Bank. 

I called the Synchrony Bank and the XXXX informed me that she attempted to refund me the interest charged, but that she could not override the system because it was past the 30 day grace period. It should be noted, she mentioned that the higher ups block this capability and she agreed this was unfair. 

I would like to inform you as well, that I did not pay off the windows ( loan ) in full because we were awaiting the final inspections from XXXX XXXX and the windows company was constantly remiss in sending the necessary documents for the inspectors. The final inspection did not happen until this summer. This was a constant issue with the window company, which communication has been remiss as well. The Synchrony Bank charged me the interest in XXXX.
Consumer complaint received 2024-05-26
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. (NY)

I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

According to the Fair Credit Reporting Act ( 15 USC 1681, section 602 ( a ) ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy. XXXX, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information remains confidential. This right is reinforced by 15 USC 6801, which mandates financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. 

According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor any financial institution has my consent to share my information, and I revoke any previous consent given. 

Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of information sharing. I was not informed of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, which includes the account in question being reported without my permission. 

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), it is illegal to furnish information known to be inaccurate. Furthermore, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations and restrict report furnishing to specified purposes. XXXX, XXXX, and XXXX are failing to maintain such procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time, and I am choosing to exercise this right.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I recently opened a business account with Chase. We began using their merchant services soon after. On the second day of accepting credit card payments, they disabled our merchant service account and they are holding our funds for 120 days. No reason was given. All attempts to contact them and Chase have gone unanswered. We are a small business and this is significantly
Consumer complaint received 2024-05-26
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. (SC)

I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.