davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc. (GA)

I paid my mortgage later than the due date but within the time period of 30 days so there no way that it should impact my credit report. I made the payment of {$1400.00} on XX/XX/2024 that was required via the companys payment portal on their website. As a customer I can not change or pay a different amount that what is required or it will not go through, so I paid the amount invoiced and called and spoke with an associate and she said it was fine and on time. Instead the company added the late fees without my knowledge and tried to ACH that amount and from my savings instead of my checking account and this cause an overdraft charge and my account was reported late to the credit bureaus and my score has dropped XXXX points.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Account name XX/XX/XXXX Account number XXXX Account name XXXXXX/XX/XXXX Account number XXXX Account name XX/XX/XXXX Account number XXXX
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MD)

I signed up for a retirement fund through JPMorgan Chase in XXXX. Bi-weekly allotments were transferred to Chase directly from my salary from XXXX. I called JPMorgan Chase in XXXXXXXX XXXX XXXX for account balance and/or account verification. 

I was told that there was no information in their system under my name or social security number .After I insisted that I had been depositing funds into a retirement account the Customer Service Rep became very hostile and rude, he insisted there was no record of an account in my name. 

I have documentation of each payment made from my salary to JPMorgan Chase from XXXX. Of which I will provide for review and verification. I also have a copy of the transaction history form verifying the date that I discontinued payments to Chase on XX/XX/XXXX. Please review attachments. 

Please see " XXXX XXXX '' amounts reflected range from {$92.00} - {$120.00}, XXXX XXXX. I have included earnings and leave statements that reflect the first and last payments of the year, for each year beginning in XXXX.
Consumer complaint received 2023-09-25
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. (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. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =========================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-04
Product: Credit 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: Chime Financial Inc (NV)

I was charged from a merchant I have never done business with unaware of merchant. Reported this transaction to chime back on XXXX was told they would have the outlook of the dispute to provide to me by XXXX I have contacted Chime regarding this matter since they failed to have a update of the transaction on XXXX Chime is failing to provide me with a refund and does not want to provide any information about who made this attempt on my credit card are when I would receive my funds back in my account regarding this dispute for fraud activity.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (AL)

On or about XX/XX/XXXX the leasing agent XXXX told me in person that I did not owe a balance to XXXX XXXX and that I would receive a security deposit of {$520.00}. She said that they had went through my records of payments and found that I did not owe anything and would receive a security deposit check in the mail. I received a phone call on XX/XX/XXXX from RentDebt Automated Collections telling me I owed a collection bill in the amount of {$400.00} to XXXX XXXX for account number XXXX. I also received a bill in the mail for the amount of {$400.00} from RentDebt Automated Collections. I called to speak with the regional property manager XXXX XXXX about the balance owed and the conversation I had with XXXX and she told me XXXX was new to the job and didn't understand what she was doing.
Consumer complaint received 2024-02-04
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: Kikoff Inc. (TX)

Kikoff Lending LLC you are reporting incorrect information for account XXXX. Your company is reporting a late payment for XX/XX/2021. During covid, my payments were deferred with Kikoff so there should not be any late payments reporting. Under the CARES act I have this right as a consumer. Furthermore, the company did not validate any of the late payments reporting. Please remove the late payment your company is reporting for XXXX of 2021 and advise the credit reporting agencies to send an updated credit report within XXXX  days. If this is not updated, I will have no choice but to proceed with legal action against Kikoff Lending.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (WA)

Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company AFFIRM report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and affirm have yet to follow the law and undue the damages of fraud and unauthorized opening.
Consumer complaint received 2023-02-16
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. (CA)

My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. XXXX XXXX XXXX XXXX  Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX : Account XXXX. {$11000.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have occasionally tried to charge purchases on my BOA credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that BOA is reporting this to a credit agency ( XXXX ), when it happens. If the card was refused- fine, I will try and correct it. But, why is BOA reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported BOA improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

Sincerely, XXXX XXXX
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 information incorrect
Company: Experian Information Solutions Inc. (AZ)

I was dropped XXXX points and marked late incorrectly. I spoke with XXXX  XXXX and they sent me statements and a letter of proof that it wasn't their fault. I need this corrected immediately if not done by 30 days I will have to take legal action
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

My family XXXX was ruin XXXX was stolen from my account. I am a new chase customer. I did NOT give anyone access to my account. I see transfer made to account that was not mine. I called Chase bank to explain this. I was given the run around. I did report the transaction online as fraudulent. I never received an update and Chase denied responsibilty.

Why did not chase do security deposit verification like other banks to make sure the account was mine? Just let someone steal that much money and no SECURITY MEASURES in place or notification.I could not get any information to trace transaction. I even checked my bank account the money was there. The worst XXXX ever. My family is without gifts...
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees.   In  XXXX   XXXX  there was {$450.00} lawyer fees, in  XXXX   XXXX , there was another {$250.00} I do n't understand how I could owe these fees.  Carrington  told me that the fees were all waived. This is the  5th  time I have sent in a request for a repayment plan since  XXXX   XXXX , when they refused my payment and started foreclosure proceedings.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account resolution service, XXXX XXXX XXXX XXXX  are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX  and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (FL)

Affirm INC is a wrong company in my credit report that i dont recognize as mineI formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (TN)

On XX/XX/2023 I filed a CFPB compliant on National Recovery Agency complaint number XXXX due to this company not being licensed as a debt collector in my state. I received a response back from XXXX XXXX the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of XXXX and stated they were doing business in my state as XXXX XXXX. Upon searching nmlsconsumeraccess.org XXXX XXXX XXXX has a NMLS number of XXXX and NRA Group LLC has a NMLS number of XXXX. Neither of which has a debt collectors license to collect in my state. The XXXX XXXX XXXX XXXX also has a NMLS number of XXXX and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither XXXX XXXX or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions. My Attorney General and the XXXX  have now been made aware of this situation.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- XXXX XXXX XXXX {$480.00} opened XXXX, Collections- XXXX XXXX XXXX  XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Consumer complaint received 2018-12-19
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. (PA)

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX  and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with Experian, XXXX, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both Experian and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.