davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (GA)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

I'm XXXX I paid my mortgage and it reflected as processed. Then this month I see it's 32 days behind but it showed pay all month. Thus kind of behavior affects credit scores and I feel like something really shady I'd going on. If it's not paid it should reflect that. Any glitches or software errors are their problem not mine. I paid my mortgage but I wasn't late. I paid the remainder of what it said but the problem is I wasn't late.
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: Experian Information Solutions Inc. (GA)

wednesday XX/XX/XXXX i spoke with XXXX XXXX XXXX XXXX about how did they obtain my name, account social, person ifon about me with out ever doing business with them. under federal law.The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the FCRA including this requirement, which is known as Section 609 ( e ). Here is some additional information to help your business comply with this provision of the law : Q. Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief
Consumer complaint received 2023-12-07
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. (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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the wrongful closure of my business account and the subsequent withholding of my funds. On XX/XX/2024, Chase abruptly closed my account citing " excessive claims, '' which, upon investigation, were unjustly attributed to legitimate attempts on my part to address fraudulent transactions. 

The purported reason for these claims stemmed from Chase 's policy, which mandates customers to report fraud and await a new card in case of unauthorized transactions. Despite my compliance with this policy and the provision of evidence demonstrating the unauthorized nature of these transactions, Chase refused to block recurring charges from merchants who obtained my information for monthly subscriptions. This refusal directly contributed to the escalation of claims on my account. 

Moreover, Chase 's decision to close my account without due process has left me in a precarious financial situation. As of the account closure date, XX/XX/XXXX, my account held a balance of {$2300.00}. However, Chase is withholding these funds until XX/XX/XXXX, and further delaying access by an additional 10 business days for the issuance and mailing of a cashier 's check. 

In addition to the financial hardship caused by the withholding of my funds, I also incurred fees from merchants to whom I had authorized transactions. These merchants levied penalties and charges due to the freezing of my account by Chase, despite my best efforts to rectify the situation promptly. 

In an attempt to access my funds urgently for essential needs, I visited a local branch as instructed by Chase, where the branch manager initially approved my withdrawal request. However, this authorization was subsequently overruled by headquarters, denying me access to my funds, even for critical purposes such as purchasing necessary medication. 

This treatment by Chase not only violates principles of fair banking practices but also poses a significant hardship to me as a customer. The arbitrary closure of my account, coupled with the prolonged withholding of funds and subsequent fees incurred, contradicts the spirit of consumer protection laws and regulations. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Chase Bank for their unjust actions. Furthermore, I request assistance in expediting the release of my funds to alleviate the financial strain caused by Chase 's actions. 

Thank you for your attention to this matter. I look forward to a swift resolution and your intervention in ensuring that consumers are protected from such unfair treatment by financial institutions. 

I have no pending transactions and all my funds can be accounted for as indicated in the photos included. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
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. (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 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 2023-12-07
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX hard inquire by XXXX XXXX XXXXXX/XX/XXXX hard inquire by XXXX XXXXXXXX. XX/XX/XXXX hard inquire by XXXX XXXX. I gave no permissible purpose to a person to pull my consumer report, which would result in a hard inquire on my EXPERIAN consumer report.
Consumer complaint received 2024-05-04
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)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Acct type : Collection ; XXXX XXXX XXXX Acct : XXXX Acct type : Debt Buyer ; has violated my rights. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602. 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 a account without my written instructions Removed and delete all account in accordance with laws listed above
Consumer complaint received 2023-12-07
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. (FL)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (NY)

on or about XXXX i sent a notice of dispute to experian which they failed to investigate ..following there response see attachment .. i sent a follow up letter on or about XX/XX/23 again disputing the inaccuracies on my report with no results..i sent XXXX more disputes dated on or about XX/XX/23 and XX/XX/23 and again experian did not investigate
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I I have a {$2100.00} check and it Chase account that they cook for me to check said they were 16 days in the account still open but it's locked and then won't give me my money I can't open no bank accounts because I have a general delivery address there discriminated against me cuz I have no residential address
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (LA)

I wish my mortgage had never been sold to Roundpoint Mortgage Company a year ago. They have been terrible at basic functions and unhelpful in resolving their mistakes. I became eligible for the XXXX XXXX assistance program after becoming unemployed during XXXX. During the process of setting up payments XXXX mortgage sold my mortgage to Roundpoint mortgage. As this was happening, the funds to pay the mortgage were returned to the XXXX XXXX assistance fund. ( XXXX ) Then Roundpoint Mortgage miscalculated my escrow and monthly payments creating an additional problem, resulting in lower payments from XXXX. They did not include taxes in the escrow which created an inaccurate mortgage statement. Then after Louisiana began sending payments to Roundpoint, the payments were misapplied multiple times and not credited in a timely manner. One payment made by XXXX was sent XX/XX/23 but was not applied to my account by Roundpoint until XX/XX/23, then the payment was held in suspense, then finally applied as a principal curtailment on XX/XX/23. There was another payment that was mishandled this way in addition to taking months to apply payments. Meanwhile, Roundpoint ran another escrow analysis which they calculated as being short resulting in a mortgage increase of over {$200.00} a month, which I can not afford. Also, Roundpoint has been entirely inconsistent in calculating and sending mortgage statements in a timely and regular manner. I do not want to lose my home because Roundpoint mortgage is poorly managed. Please help! Thank you.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose
Consumer complaint received 2023-08-10
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. (TN)

I submitted a letter to the XXXX Credit Bureaus to delete 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 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that i have mad. it is the result of identity theft. 
please block this information from my credit report according with section 605B of the fair credit reaporting act.
Consumer complaint received 2023-06-13
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. (TX)

I am requesting this complaint about my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect and need to be corrected.XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I've recently mailed out a dispute letter to Experian regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Experian behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Experian will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone?

Violations committed : Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I can not emphasize enough the urgency of this matter. It has been years already since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LCI Acquisition Inc. (CA)

I tried to opt out of them sharing my information and tried calling as well to get copy of any consumer data they are holding about me. Their website shows easy way to get data and opt out ( see photo ). 
It constantly gives error message. So I call the phone number and message says leave message and we will call you right back. No one calls. There is no way to opt out or get my personal data.