davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NJ)

I reported to Chase on XX/XX/XXXX that they over paid property taxes for my home in XXXX. This mortgage was originally with First Republic Bank and converted to Chase in XXXXXXXX XXXX XXXXXXXX. At the time of conversion, my property taxes ( PILOT program ) had all been paid. Chase subsequently paid an additional {$18000.00} to the county ( incorrect amount and person ). Upon reaching out, I was told they received a bill from the county, this was incorrect, then continue to receive notices that they will look into it. Upon receiving my escrow analysis from them it clearly indicates that this was incorrect, individuals have admitted it on the phone, however have yet to make any sort of corrects. We are now at two months since I reported this and no progress has been made to refund my escrow account for their fraudulent payment. Additionally, they provided an incorrect 1098 form and will not make any amendments to it inorder to reflect the proper information. 
Essentially, they have made an unauthorized fraudulent payment from my escrow account and are unwilling to resolve this issue.
Consumer complaint received 2024-04-21
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. (GA)

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXX XXXX XXXX XXXX XXXX with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings. 

**Disputed Account XXXX : ** - **Account Name : ** XXXX XXXX XXXX XXXX  - **Amount : ** {$3500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Consumer complaint received 2023-09-01
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (MD)

This Auto Loan from XXXX XXXX Kia auto loan for a XXXX Kia is inaccurate and incomplete because I had no knowledge or should be held liable for the balance displayed. XXXX XXXX had inadequate credit and was denied an auto loan and requested that I co-sign a loan for her to get a new car ( a XXXX XXXX XXXX ). There are inconsistencies with the loan attached that make the terms fraudulent in nature and me unaware to account. The first issue is that I was submitted and listed as the primary loan applicant when I was supposed to be the secondary ( co-applicant ) for the car. The terms of the loan on file breach the terms I agreed to with Kia Motors Finance. The vehicle was being sold for around XXXX USD and as I stated I was to be added to the loan as an additional party to be held responsible for the price of the vehicle leaving the lot that day and that alone. I already had my own car and was not in need to take out a loan for another primary car when I already had a XXXX XXXX XXXX financed through XXXX XXXX XXXX XXXX. Not long into owning the car, while I was XXXX, XXXX XXXX totaled said XXXX XXXX XXXX and I as the policy holder ( her as the authorized driver ) for the car paid out a total of XXXX USD to Kia Motor Finance on XX/XX/XXXX. According to Kia Finance XXXX XXXX had a previous outstanding loan for a XXXX Kia that she owned prior to this XXXX and combined the money she owed to Kia finance under my name as the primary applicant without my consent. Not only are the terms of the loan fraudulent in nature, but I also paid the balance of the loss of vehicle in question. 
I am requesting that this item be removed from my credit report and social security number as I am not the one responsible for the principal being sought after. I never agreed or signed to be a part of this erroneous principal being reported to the credit bureaus as an auto loan charge off. The vehicle in question, that I co-signed for, was paid in full by my insurance company under my policy at the XXXX that vehicle is listed for and reported by Kia Motors as the sale price. I was not even physically present at the time of this loan as I was XXXX to XXXX XXXX XXXX XXXX at the time the loan was requested. XXXX XXXX used my information without my permission I believe to have me assume a previous loan outside the terms of the loan agreed upon for the XXXX XXXX XXXX the collection account is against. Please assist, I paid the portion I was responsible ( the original loan agreed upon ) in good faith and am a XXXX XXXX XXXX XXXX. This derogatory account has made it difficult for me to achieve financial stability and has caused me additional hardship. XXXX XXXX should be solely responsible for this charge off amount and not me.
Consumer complaint received 2023-11-01
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. (NY)

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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-05-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

Notice to agent is notice to principal notice to principle is notice to agent This is to inform the CFPB of some violation that the department of aid advantage has not addressed since the following Dispute with the CFPB in XXXX and XXXX the followings are the account disputed with the CFPB. I would like the CFPB to conduct Consumer redress for those accounts with aid advantage for the following reason for the past eight years I have been carrying this account with the Department of Education. today XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I have spoken to XXXX XXXX XXXX to get the answers that she promised to give me during our last conversation in XXXX I have mentioned to XXXX XXXX XXXX if she was aware of the public debt of XXXX she totally ignore and never got back to me so today XX/XX/XXXX I got a hold of XXXX XXXX XXXX and ask XXXX XXXX XXXX that why is my account showing negative payments my understandings are the followings 15 USC 1666 ( B ) Timing of payments this information was address was XXXX XXXX today XX/XX/XXXX also I have mentioned to XXXX XXXX that since I have been carrying this account for the past eight years and she has not provided the consumer the contract and the truth in lending act documentation that was required when I dispute it the account with the CFPB she sent me a promissory note without the contract and the truth in lending disclosure documentation, I also have mentioned to XXXX XXXX XXXX that since this account has been transferred from several department I am going to address this information with the department of education and whatever answered I get, I will address this with the CFPB and address it with 18 U.S. Code 1341 fraud and swindler since this account was created I want the Department of Education the department of XXXX XXXX, XXXX, XXXX, XXXX an aid advantage to provide the consumer the damages they have caused since XXXX by sharing my information without no knowledge to the consumer. This information is also addressed in the past with XXXX, XXXX, and XXXX. Please, I am asking the CFPB to enforce that information before my information gets transferred once again. Also, I would like to address the CFPB with the respect that the agency deserves that I am fully aware of what's going on with XXXX XXXX XXXX all caps name. I am an American citizen state national. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following are the accounts that I have disputed with the CFPB. Also, those accounts with AID advantage and all the companies I have mentioned above Are paid as agreed, the following are the accounts I have a dressed and dispute it with the CFPB. 
CFPB XXXX CFPB XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (MA)

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department XXXX XX/XX/year>, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/year>. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, Core logic, XXXX XXXX XXXX. ) This is securities fraud and identity theft!
Consumer complaint received 2024-05-15
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: Nelnet, Inc. (IL)

On XXXX I submited a complaint with the CFPB against Nelnet in reference to inaccurate information on my credit report. In that complaint I stated the following : I have reached out to XXXX as well as Nelnet LNS on numberous occassions in reference to the fact they arereporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My Nelnet LNS account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. XXXX and Nelnet both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from XXXX. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 daysand 120 days if an account is in fact late which I wasnt on this account. 

I submited with my complaint several months of credit reports showing the inaccuracies reported on my credit report. Nelnet responded with the letter I am including named XXXX XXXX ( F ) ( 1 ). 

Based on the letter Nelnet sent I filed another complaint on XXXX. I included their original letter as well as all of my original documents. On XXXX I received a response via a letter posted to the CFPB complaint. Nelnet responded with a stall letter stating I am third party acting on my behalf. I am including the letter named XXXX XXXX XXXX. 

The actions of Nelnet is a violation of my protected rights under. Based on the information I provided and their first response this account must be deleted to be in compliance with The Fair Credit Reporting Act laws.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I have a Business account whit JP Morgan Chase bank, On XX/XX/year> the Bank decided to closed my XXXX accounts with them, I called the bank and requesting an explanation why of such decisions and the bank stated the can closed the account at any time and that is fine, but my fund are in hold and refused to release the funds. 
I have small business the inpact in closed the account and froze my fund make my business at risk
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed EXETER FINANCE LLC furnished the following information to my consumer report and it is invading my right to privacy. 
EXETER FINANCE LLC-Date Open : XXXX Account number XXXX Amount : {$4800.00} I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information per 15 U.S. Code 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRA 's ( XXXX, XXXX, XXXX ). 

EXETER FINANCE LLC did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information per 15 U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). EXETER FINANCE LLC violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my data by EXETER FINANCE LLC for the account opened on XX/XX/2022 With Prejudice By : XXXX  : XXXX All Natural Inalienable rights reserved
Consumer complaint received 2024-04-19
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 think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, incorrect amounts, and dates.
Consumer complaint received 2023-09-01
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I AM A VICTIM OF IDENTITY THEFT FROM EQUIFAX DATA BREACH!

1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Enrolled to autopay with XXXX credit card under Comenity, assume payment was made. On XX/XX/2024, was told payment was late and nothing cant be done about late fee or missed payment. I tried to communicate my honest mistake, and they said they cant overlook my mistake. They refuse to help me resolve the issue. The way they conduct business is very predatory, when I had all the intention to pay credit card on time. Any consumer who signs up for autopay, assume that the payment will be made. It makes no sense to wait for the following month for autopay to be active, a simple coding adjustment can be made to make it efficient for both consumers and private business to ensure payment process is done to cut off the non sense of banks and financial institutions to over charge people.
Consumer complaint received 2023-09-01
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. (MO)

I am requesting specifically regarding the reporting of late closed account. I have carefully reviewed my credit report from your agency and have identified inconsistency that I believe require immediate attention and removal. The 3 credit bureaus shall be removed this late closed account. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am very pleased to request that you investigate this matter promptly and removed the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this late closed account.. I expect your prompt attention to this matter and a fast resolution.This XXXX XXXX Balance Owed : {$0.00} should be removed right away.