davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (FL)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ACA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (CA)

I am a victim of identity theft. I was parked downtown XXXX XXXX when my car was broken into and my wallet and other various accounts. I have no connections or knowledge of any account listed. 

please help me I tried everything and its no resolution. 

someone even have an eviction in North Dakota in my name which I have never lived outside of XXXX ca. 

please please help these aren't mines.
Consumer complaint received 2024-09-12
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 incorrect personal information on my credit report. The names 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and phone XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I disagree with the results of the investigation on XXXX XXXX  late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXXXXXX XXXX XXXX was not late. I have bank statements tp prove. see attached.
Consumer complaint received 2024-08-01
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)

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 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 and 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.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX 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 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Neighborhoods United, LLC (OK)

The XXXX XXXX XXXX XXXX  ( XXXX ) administers the XXXX XXXX XXXX XXXX  authorized by US Treasury and the American Rescue Plan Act. On XX/XX/year>2023 AHP signed a collaboration agreement with XXXX, whereby it agreed to participate with the Homeowner Assistance Fund to cure COVID related mortgage delinquency. 
AHP Servicing LLC participated in resolving the mortgage delinquency of an Oklahoma homeowner, Loan number XXXX, XXXX XXXX, property address XXXX XXXX XXXX XXXX, XXXX, OK XXXX. AHP Servicing LLC informed XXXX that the required reinstatement amount was {$830000.00}. XXXX remitted this amount to AHP Servicing LLC XXXX XXXX, 2023. Thereafter, in XX/XX/year>2023 the servicing of XXXX XXXX 's mortgage was transferred to XXXX XXXX. As of the date of the transfer and to this present time, AHP Servicing LLC has neither applied the {$8300.00} to XXXX XXXX 's mortgage nor forwarded the payment to XXXX XXXX. AHP Servicing LLC has not returned any of XXXX XXXX staff 's attempts to communicate about this matter by telephone, email or US mail..
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (AR)

I have discovered that there are errors in the following item ( XXXX ) XXXX. The following personal information is incorrect Name : XXXXXXXX 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 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 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 2024-09-04
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. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

LexisNexis and ( XXXX ) is sharing my non-public personal information with non-affiliated third parties XXXX, XXXX and XXXX. LexisNexis and ( XXXX ) does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple Federal laws.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (PA)

Per Regions, I submitted a tax bill for the XXXX year, which was confirmed received by them on XX/XX/XXXX. As of date, this bill has yet to be paid by Regions via my escrow account. On multiple occasions I have spoken with Regions via phone and requested that this tax bill be paid from my escrow account ( as is their responsibility ), yet no payment has been made. As of XX/XX/XXXX, the tax bill is still outstanding and the county has now placed a lien against our property. Each of the attached documents has been submitted and received by Regions.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (TX)

I requested PMI removal in writing and submitted the required form on XX/XX/year>. I was informed I needed to pay for an appraisal and paid {$150.00} on XX/XX/year>. 

I have called and emailed weekly to request an appraiser to come out and NewRez says they are pushing the request forward. As of XX/XX/year>, I still have not received an appraisal even though I have paid the money for XXXX. At this point they have stolen {$150.00} from me since they have not rendered services in a timely manner. I am also paying PMI each month they do not push this forward. It could have already been removed. Each week Im told someone will be contacting me within 7 business days and another week goes by without a call. I have done everything on my end to move the process along and they are stalling the process. This is an unethical and deceptive practice to collect money from me and require me to pay PMI longer than I should due to their unprofessionally slow process.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (TX)

My auto loan is serviced through Chase, which I have had for a little of XXXX years for a XXXX XXXX XXXX. I have never been late, I actually pay my payments XXXX months in advance. 

I was in a car wreck in XXXX which I incurred some unforeseen expenses with the insurance car wreck, medical out of pocket expenses and currently going through XXXX XXXX. 

I spoke with a Chase representative and manager on XX/XX/XXXX explaining my situation and requested for a XXXX month extension on my loan. The agent went through a series of questions to identify the issue. Once completed she informed me that I didn't qualify for the extension due to my loan being current and I was still attending doctors visits. I explained that this was a short term situation and I was still working and if allowed the XXXX month extension it wouldn't be such a financial burden to continue paying on my existing bills. I have never gotten an extension on this loan, so this seemed extremely wrong being that fact I'm trying to be proactive to keep my affairs in tack. I was informed I can contact them back ( Chase ) once I'm past due to possibly discuss a payment plan. This simply falls under a UDAP experience that I'm not being allow the same opportunities as someone that's late on their loan to be approved for an extension, or having the opportunity take advantage of an extension offer as I'm current and they're late. 
Being current doesn't mean I should be penalized for paying my loan on time, I should and all consumers should have the same opportunity when I'm experiencing an hardship as a consumer that's past due does. This just seems unfair that Chase only extends help at the benefit and interest to help their portfolio preying on the weak to help minimize losses and forgo those that actual help their portfolio during forecasting and profit-sharing time. 

So basically what Chase is implying, I have to impact my credit and gain more interest from me to even possible be helped in regard to my hardship. I won't stop there as being past due base on what the agent stated qualifies for a payment arrangement so this may require you to go over 30 days before willing to help... Which then will impact my credit just to get some help!!! This matter needs to be addressed as unfair practices and resolved immediately.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have XXXX accounts with XXXX XXXX. Account # XXXX- the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} " XXXX. Account # XXXX the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} "
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2024 I woke up to my account restricted i had called chase bank to confront the problem XXXX they helped me and said i would be able to pull XXXX out of my full amount XXXX but everytime i go to branch they reject it.Now my account is closed after a supervisor told me i can withdrawl my funds today
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NM)

XX/XX/year> I sent a domestic wire to my daughter for school. The wire got rejected on the same day but Chase has not returned the money. My bank stated the funds should have been returned immediately. However, Chase stated that my bank has to request the money back and that process could take several days. They also said my daughter needs to call the bank, she did and she walked into the branch. During this time, my daughter is in a different state without funds for food, transportation, etc.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

Beginning of XX/XX/2023, I sent a letter to Resurgent Capital Services requesting the following information regarding a credit card debt they claim is mine : 1. A copy of the original purchase agreement which shows you legally own this debt by the original creditor. Not a letter stating you own the debt ; the actual agreement.

2. Copies of ALL statements from open to close of this account.

3. I want to see proof you are a legal debt collector in the state of New Jersey. A copy of your bond which shows you are legally registered in New Jersey. Anyone can state they are able to collect a debt in New Jersey. 

I did not receive any of the requested information when they responded on XX/XX/2023. I only received one credit card statement.
Consumer complaint received 2024-05-16
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-07
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: Synovus Bank (PA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.