davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate Please remove this information from my report per my FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA CONSUMER LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate PLEASE delete THIS INFORMATION FROM MY REPORT PER MY FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) Its your job and my right for you to report accurate and complete information and you all and the bureaus have fail me as a consumer to report a fair credit report
Consumer complaint received 2024-04-08
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. (PR)

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 and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account Number 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 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 2023-06-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed the error on my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this. This is why I need your help!
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

XXXX months ago chase bank closed my account without any notice and never returned the money in the card to me. chase bank initially promised to return the money to me after checking my account in a month but kept waiting for XXXX months without sending me the money. I called the bank many times during the waiting time but they always told me to wait and said they didn't know how long it would take and that there was a possibility that they wouldn't give me my money back. I am a student and I don't have that much money and I am living a very difficult life right now. I don't have any money on me due to chase bank suddenly closing my account. I have about XXXX XXXX  in my account which is my living expenses and I hope chase bank will hurry up and give me my money back.
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

Back in XXXX, in the midst of the recession, both myself and my wife lost our jobs. We had a mortgage for the property at XXXX XXXX XXXX, XXXX, CA, XXXX, with XXXX XXXX ; after hearing about numerous programs to help with situations like ours, we contacted XXXX XXXX to get assistance with payments and try to get a loan modification. At the time, we had managed to stay up on our payments, but we wanted to be proactive because we were days ways from not being able to make our mortgage payments. 

Long story short, after being placed on a temporary new payment plan, at least three denials for modification, then finally, the modification went through in about XXXX. Since it had been years without making full mortgage payments, we were neglected to be told that we would need to back pay everything underpaid. This amounted to a large sum that was rolled back into the loan as part of the modification making our payment when it was all said and done HIGHER than it originally was. 

The mismanagement of our multi-year modification nightmare with next to no communication led to us finally getting foreclosed on in early XXXX since our income never recovered to what it was pre-recession, and our payment ended up being higher than before the modification. We experienced financial hardship, destroyed credit, and emotional distress through the entire, almost 5-year fiasco and since.
Consumer complaint received 2024-03-14
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. (GA)

Account # XXXX Name : XXXXXXXX XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXXXXXX XXXX XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXX  Date XXXX XXXX XXXX Resolution : Delete from credit report Account # XXXX Name : XXXX Financial Date XXXX Credit Inquiry Resolution : Delete from credit report These accounts were added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. Please delete these accounts from my credit report.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

It's all through the Portfolio company. my debts were canceled by the original creditor, but Im still getting notifications that I owe they took me to court and it was dismissed. I provided the company with all those information but Im still getting harassment and threat to pay the debt that a little longer oh, and Ive been forgiven to pay.
Consumer complaint received 2023-11-17
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. (TX)

I have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-10-04
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. (MS)

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 2024-03-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WY)

Due to covid hrs cut, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, no settlement, XXXX XXXX XXXX, car stolen in XXXX XXXX XXXX CHARGED OFF MY DEBT! 
They thought thecar would be totaledCheck all this with XXXX XXXX XXXX in XXXX, WY. I paid my bills!! Sold my modular to survive and Experian knows it! 
NOW, I am just hit with a terrible credit score. 
None of this was my fault! 
XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (TX)

My claims are on appeal with both my insurer and my provider, XXXX  XXXX. They denied coverage of emergency care for an emergency visit to the XXXX  XXXX XXXX and I have appealed the mis-coding of that event. XXXX  XXXX has reported they have NOT submitted it for collection. Mira-Med https : //www.miramedrg.com/ will not stop calling and is harassing me both via mail and calls, more than XXXX a week. According to the provider it has NOT been submitted for collection. I am stressed, XXXX  mom with a full time job and I am losing sleep over the harassment.
Consumer complaint received 2023-11-17
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: FIRST PORTFOLIO SERVICING INC (TX)

I have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I was charged by XXXX XXXX on XX/XX/XXXX in the amount of {$87.00}. I am uncertain of what the fee is for when I have already cancelled this service on XXXX of XXXX. I have contacted Chase Bank, my credit card company where mentioned charge was done, that the {$87.00} was not warranted, I was charged for a transaction or trial subscription that I cancelled, I did not authorize this purchase. Chase initially credited my account on XXXX XXXX of XXXX. On XX/XX/XXXX, said charge was being charged to me. This complaint is for Chase Bank. I will submit a separate complaint for XXXX XXXX.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo deposited 2 checks from my account. These checks were made out to a vendor, XXXX XXXX. XXXX XXXX does not have an account with Wells Fargo. Someone fraudulently deposited these checks.
Consumer complaint received 2024-03-14
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)

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account 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.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am writing to submit a formal complaint against XXXX located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Consumer complaint received 2023-09-07
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. (PA)

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I am a victim of identity theft and did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KY)

I received notice XX/XX/2023 that XXXX XXXX sold servicing of my loan to Roundpoint effective XX/XX/2023. I paid my XXXX payment to XXXX XXXX because I generally pay early, so I am not concerned about missing a payment or being late for XXXX. My concern is that Roundpoint has yet to send me a statement for the XXXX payment ( they possibly think I would owe ) or the XXXX payment that is due in 4 days. I received an email from Roundpoint giving me a new loan number several weeks ago, and calling them results in no option to talk to a person. I do not want to set up an auto pay with Roundpoint. I want a monthly statement so I can mail a check to them. My complaint is that Roundpoint for the last 5 weeks plus surely should be expected to send me a mortgage statement by mail.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX : I was notified by XXXX, employee number XXXX. XXXX no. XXXX. 

Online account was closed. According to them there were 4 charges made by someone that hacked the card. There is no proof because they canceled my acct so I can not verify this information. 

I was told that no XX/XX/XXXX I'd receive my new card by XXXX  and there has been no notifications whatsoever from XXXX or XXXX regarding this issue. This means they have taken control of my money and my account, which is Fraud at this stage.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

Forged, deceptive invalid loan application and agreement not my signature, is my SSN, name, employer but not my address I never lived in CA, unknown references very forged signature, date of loan coincided with divorce and other trickery found fraud and other deception, other forgery, loan invalid void, paid through trust, servicer is ignoring fraud and consumer complaint against loan practices
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

I opened a lowes cc account in 2020 for my kitchen remodel. I paid the balance off and did not use that account after synchrony reduced my limit to {$500.00}. A former roommate took personal information without my consent and knowledge. The charges I am being held accountable for we're unauthorized and illegal. Synchrony has been made aware of the identity theft relating to the charges and has not discontinued the collection efforts Is reporting erroneous information that is damaging to my credit.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, 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. (GA)

To whom i t may  concern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.