davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

My debit card was stolen and fraudulently used to withdraw money from my account. The Fraud Alert sent by Chase was responded to and a follow-up claim was filed. The " investigation '' that occurred did not include any interaction or questioning with me and the determination is vague and removes all responsibility from Chase while making gregariously inaccurate claims against my character and what happened.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Closed My credit card without consent. I did not authorize my credit card to close. Bank of America then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. XXXX is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.
Consumer complaint received 2023-05-08
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. (OH)

I have tried Several times to Dispute inaccurate information with Transunion which Transunion doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Transunion To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-05
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: Experian Information Solutions Inc. (IL)

I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Consumer complaint received 2023-04-21
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-21
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (TN)

Have completed 3 or more trial modification plans with Flagstar bank. There has been errors with my name and the finalization of modification documents upon 3 trial payments being made. Flagstar has made 2 PMI claims for my mortgage, but they do not complete finalize paperwork after trial payments were made. They have also lost my trial payments too. Again, XXXX XXXX they have denied me mortgage assistance because of Flagstar errors processing my mortgage assistance. XXXX XXXX, XXXX. I emailed required mortgage assistance documents to keep my home. Flagstar told me to resubmit request to correct the processing but upon receiving my information they have not corrected my mortgage. Don't want to lose my home to foreclosure. Please Help
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX  I sent letter to credit Bureau XXXX, XXXX XXXX, And Equifax By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I hired XXXX XXXX XXXX as my attorney to represent me in this case in court, they got a settlement agreement for me which I signed and paid off already. I have the proof of the Judge dismissing this case as closed but my credit report still reflects the case as open, which s negatively influencing me. 
I need someone to help me with this I have attached the signed settlement, Order of dismissal, and Notice of completion.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (IN)

I have been receiving notices from Chase that my homeowners insurance is expiring and that they will purchase insurance on my behalf and bill me for that. 

My homeowners insurance is not expiring and the policy is currently in place and my premium payments are up-to-date. 

I've contacted Chase and my insurance agent but Chase seems totally oblivious to this and seems intent on defrauding me by charging me for a policy that is not needed.
Consumer complaint received 2024-01-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I called American Express Customer service, XX/XX/2024 because my gift card has been declining everywhere I try to use it. I called asking why my card keep declining, and they just told me the balance on the card and that it was active. They said it would be " fixed '' but the card is still declined everywhere. Anytime I try to use it, the checkout says the card has been declined and when I try the " Check Balance '' on American Express Gift Cards website, it charged me {$.00} for " Pending Transactions. '' I still have money on my gift cards, so I do not understand why this is happening.
Consumer complaint received 2022-12-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$620.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOWNE MORTGAGE COMPANY (MI)

I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact Towne Mortgage Company by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
Consumer complaint received 2024-03-21
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase & Co which manages XXXX 's client funds literally stole XXXX from our bank account when a former client XXXX XXXX did a XXXX XXXX XXXX XXXX on her XXXX XXXX XXXX. Even though we provided the signed XXXX XXXX contract, detailed XXXX XXXX invoice showing legal services performed/received, as well as legal work product, these thieves ripped our duly earned legal fees out of XXXX and thusly confiscated another clients XXXX  to compensate, XXXX XXXX XXXX Please urgently investigate and advise.
Consumer complaint received 2024-03-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC (VA)

Ever since XX/XX/2018, I have been charged monthly by National Debt Reduction Services around the XXXX of each month with {$270.00}. During the initial interview prior to charging me, they informed me that they will work with some of the companies that I have current debt with ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ) to help significantly reduce the debt I owe them. They initially guaranteed that after 90 days, I would start seeing my debt from one of the companies become lower. However, it has been already 5 months, and instead of going lower, my debt has increased exponentially ( one of them has even doubled ). I also started receiving harassing calls from debt collectors on a daily basis ( sometimes even 4x a day ). I contacted them about this issue on XX/XX/2018 and they suddenly disclosed to me that they were waiting to reach a threshold amount so that they can begin negotiations with one of the companies, and that they are currently in negotiation with one of them. I am able to see my debt balance online with them, and I do not see this being reflected. I am highly suspicious that this may be a scam, so I would like Consumer Financial Protection Bureau to investigate further.
Consumer complaint received 2023-07-10
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$460.00}.
Consumer complaint received 2024-01-17
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: Nelnet, Inc. (PA)

I was late for my student loan many many years ago due to my bank changing bill pay company. I have never been late after that. That was back in XXXX. It's still over the 7 year threshold. I called to ask them when I was late, and the representative on the phone said I already disputed the charge. It's been over a year and it's still on there.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I was holder of a foreclosed junior lien on a home. The senior lien held by Mr. Cooper ( aka Nationstar ) was in the foreclosure process with a redemption date of XXXX XXXX, 2023. When the previous homeowners did not redeem from me for my lien I contacted Mr. Cooper XX/XX/2023 to work on financing the home through them. I talked with XXXX XXXX and I made it clear of the redemption date. I was then transferred to the refinance department where I was working through the refinance with XXXX XXXX and his supervisor XXXX XXXX. I continued to bring up the redemption date as Mr. Coopers underwriter continued to stall the refinance with demands that I complete work on the home. XXXX XXXX informed me over the phone and in email that the home was not in foreclosure and all I needed was to complete the refinance. 
Needless to say on XX/XX/2023 I received a letter that I missed the redemption date and I lost all rights to the home. I called XXXX XXXX and XXXX XXXX and was told that it was my fault for missing the redemption date and because I no longer had rights to the home they were canceling my refinance.