davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX ( XXXX XXXX ) XXXX  account - this account is paid in full and closed. However the dispute comments still remain on my account which have been requested to be removed for over 2 months. The dispute comments are preventing me from getting a home loan, I have written, called, emailed and faxed to request that ALL DISPUTE COMMENTS BE REMOVED FROM ALL ACCOUNTS. And equifax has lied and stated that they are removed but the home loan still gets denied because of these comments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also still has dispute comments remaining on account However the dispute comments still remain on my account which have been requested to be removed for over 2 months. The dispute comments are preventing me from getting a home loan, I have written, called, emailed and faxed to request that ALL DISPUTE COMMENTS BE REMOVED FROM ALL ACCOUNTS. And equifax has lied and stated that they are removed but the home loan still gets denied because of these comments
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a mortgage serviced by Chase for a property in XXXX, New Jersey. I changed insurance effective XX/XX/XXXX and paid premium directly with my insurance broker. I followed Chase 's procedure to inform them of change. 

Chase proceeded to send a check to the insurance company out of my escrow account for the premium amount of {$1400.00} despite the fact policy was already paid for. I was informed toward end of XXXX of the shortage in escrow this caused and that my payment would go up as a result. I contacted my insurance company ( XXXX XXXX ) who confirmed they never cashed the check they received from Chase ( as policy was already paid ) and sent that check back. 

I called Chase on this at end of XXXX ( I believe the XXXX but not 100 % sure of date ). After an hour long conversation and multiple hand offs and holds they confirmed the check had not been cashed, that they would stop payment on the check and within 7-10 business days the funds would be returned to my escrow account. 

I checked back with them on XX/XX/XXXX which was more then the allotted time for resolution. In the interim they had performed another escrow analysis showing no change to the account. I spoke to them again, had to re explain the situation again and go through the same hand offs and holds and was told again that they would put a stop payment on the check and it would be resolved. This time they told me within 3-5 business days. 

Nothing has changed on my escrow account in the interim and the higher monthly payment to cover the shortage they created is now reflected on my statements going forward starting in XXXX. I called Chase again first thing this morning ( XX/XX/XXXX ) and had the re-explain this situation again and was put on holds and handed off to multiple people again. No one I speak to there ever seems to be aware of the issue or have any idea what is going on. 

I was told this time that there is no timeline they can give me for a stop payment to process even though they are the issuing bank on the check and have been aware of issue for over a month. I asked to speak to a supervisor and was told no one was available but I would receive a call back in a couple of hours. No one has called me back from Chase.
Consumer complaint received 2023-03-12
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: WELLS FARGO & COMPANY (IN)

In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX Wells Fargo has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (MO)

First Progress Platinum Credit Card states I have a balance of {$250.00}. 

The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. 

There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. 

First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. 

I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. 

In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. 

Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )
Consumer complaint received 2023-02-20
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-02-21
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. (VA)

XXXX XXXX Experian, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (GA)

a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (NJ)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I tried to log in to my Chase bank account on XX/XX/2023 so that I could change a recurring payment. When I attempted to log in, I received a message that said the following : " We've updated our agreements. 
Please review these agreements to understand how they apply to you. You must accept these agreements to continue to access your accounts online and in the mobile app. We've updated our Digital Services Agreement and combined it with some of our other digital legal agreements to give you a more streamlined experience. If you don't accept, you'll lose access to online account services and continue to see this message until you accept the updated agreement. 
Digital Services Agreement Download agreementOpens PDF Online and Mobile E-Sign Disclosure and Consent Agreement Download agreementOpens PDF By clicking " I accept '' I confirm that I've read and agree to the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' One agreement was 10 pages long, and the other was 127 pages long. I could not log in to my account without accepting " the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' There was no option other than accepting the new terms, which were outlined in these two documents. 

I was prevented from changing a critical recurring payment because I didn't want to accept an agreement that I didn't understand, and would likely take an experienced lawyer to decipher. If I were able to comprehend what I was reading, it would take several days of research to look up the legalese and its implications online. 

There is no " plain language '' version of these agreements offered by Chase, nor can I find online. 

If this were a more urgent matter, or if it were a financial emergency, I would have had no choice but to agree to something I couldn't quickly understand. In addition, this action simply means that we must Chase 's terms or, I suppose, leave the bank, although... if I wanted to close my account online, I wouldn't be able to do so without ( again ) accepting their terms.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$720.00} XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (TX)

XXXX is incorrectly reporting this account. The account has been paid in full and accepted by XXXX. This account needs to be updated to reflect paid in full to reflect accurate reporting.
Consumer complaint received 2022-11-14
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. (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 any 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2022-04-20
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-03-26
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

I notified XXXX, XXXX and Equifax multiple times to reinvestigate these accounts and demanded removal of the account due to inaccuracies and fraud due to identity theft XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect and I did not authorize these companies to furnish my information The Fair Credit Reporting Act 15 USC 1681 section 602 A. States I have the right to privacy 5 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 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

XX/XX/2022 I have a freeze on file with chexsystems, I called their consumer report phone number line XXXX XXXX XXXX to ask if an bank disregarded the freeze on my account and opened an account anyway. The specialist told me I had to call the consumer relations number XXXX XXXX XXXX. When I called that line I was sent right back to the freeze department twice who told me they could not assist me and to call that XXXX number again. the initial call was placed at XXXXXXXX XXXX XXXX, the other two calls started at XXXX XXXX XXXX  I have finally given up as I can not get the information required to determine why XXXX new accounts were opened in my name. XXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX XXXX