davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: JPMORGAN CHASE & CO. (FL)

Chase has been negligent and has not refunded me {$10000.00} they owe me for a dispute they ruled against me incorrectly. Chase legal department through XXXXXXXX XXXX has been notified I'm pursuing arbitration per cardmember agreement. This is further notification to show in court that Chase was negligent and received proper notification.
Consumer complaint received 2024-04-02
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)

Account name XXXX XXXX Account number XXXX this account does not belong to me. I have not consented or contracted with this company. Furthermore, this account isnt being reported correctly. Open dates are inconsistent, original balances are inconsistent. This account needs to be removed from my credit reports.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LoanCare, LLC (MI)

I previously submitted a CFPB complaint back in XXXX, however it still is unresolved. 

I submitted an assumption package via email XX/XX/year> to the XXXX email address that is on the application stating i can email the package to this email. 

I never heard back, submitted multiple more emails on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With no response to any email sent. 

I received a phone call in early XXXX, stating they needed additional documents that i submitted on XX/XX/XXXX, however i have not heard back at all, and in the CFPB complaint the response from XXXX care they stated that they have yet to receive any application at all however i submitted it twice to them, once on XX/XX/XXXX and another time on XX/XX/XXXX. The date on the CFPB complaint says XX/XX/XXXX, which means they did receive my application twice before responding. 

I have called numerous times with no response from Loan care, and responded to the CFPB complain letter trying to call the XXXX XXXX XXXX XXXX at XXXX and the message says i should get a call back within XXXX hours, however i called twice and have not heard back and this was over XXXX hours ago. 

I am court ordered to complete this assumption, which i submitted in XX/XX/year> and i have yet to get any communication with any underwriter in this matter. 

It is completely unacceptable for phone calls and emails to go un responded to, when i have the right to assume my mortgage into just my name. 

I have done all things needed and requested thus far, however i have not heard back at all from Loan Care to assist me with resolving this matter, nor a representative letting me know if there is anything left for me to submit.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

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.

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 informationisinaccurate
Consumer complaint received 2020-01-12
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. (SC)

Experian has responded to my complaints 2 different times and both times they do not address my complaint. They are clearly breaking the law because they are putting stuff into the complaint reply that has nothing to do with my actual complaint. 
Section 605B of the F.C.R.A. states very clearly how a C.R.A. must act in regards to an ID theft complaint. There are 6 sections in the law named. A., B., C., D., E., F.

It is clear in the law, that the C.R.A. must do all the 6 sections in order how written. " A '' says to block the information I identify as fraud no later than 4 business days after i identify that info. " B '' says to notify the furnisher of the info that the info they submitted was blocked. " C '' says that the C.R.A.  can decline or rescind a block request by me, after the furnisher answers with information that contradicts what the i claimed, then the C.R.A. can make a reasonable determination what the truth is. NOT before they block the info no later than 4 days after i claim it properly.

Fraud is fraud. Experian needs to OBEY the law and NOT rewrite the law to break the law like they are now.

4 business days have come and gone, i am harmed because information I did NOT give permission for, or allow someone else to do, is on my file wrongly. I did NOTHING to have those companies place inquiries on my credit file. The police agree with me, i filed a new report, i have given this to Experian and they are saying NOTHING in relation to my complaint, they are avoiding my complaint with XXXX, nothing true to me.
Consumer complaint received 2024-04-02
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. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XXXX, i sent the CRAs ( TRANSUNION, XXXX, AND XXXX ) letters requesting the inaccurate information they are reporting on my credit report be deleted ASAP. You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5. 

i have attach a copy below for your reference
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13
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: Affirm Holdings, Inc (PA)

I lost my phone & wallet on XX/XX/XXXX On or about XX/XX/XXXX someone used my old affirm account, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with Affirm Inc . When I contacted Affirm inc, they launched a investigation but they have not done anything about it and now it is detrimental to my credit score that I maintain a XXXX for the last XXXX  years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX Pa & XXXX XXXX XXXX XXXX Pa. I live at neither of these addresses nor have I ever been there
Consumer complaint received 2024-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (SC)

Contract Callers , Inc has listed a collection on my credit report regarding the amount of {$160.00}. Please be advised that Contract callers HAD NO RIGHT to list the collection on my credit report because they have never spoken or sent me a debt validation letter. I have not received any noticed stating the debt that I owed with the date form the debt and who the original debt collector was. 
I believe that this third-party debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ). The law that was broken from Contract Callers is : Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, including the reporting of false information to credit reporting agencies.

Section 808 ( 15 U.S.C. 1692f ) : Prohibits unfair practices, which can include reporting information without proper investigation or verification. 
THIS IS AGAISNT THE LAW I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account XXXX : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX. 
15 U.S.C. 1682 Section-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 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

This is a formal complaint that Experian is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Experian has damaged my name, and my credit. Experian has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible. 


Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/2016
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with XXXX. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with XXXX. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by XXXX as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ XXXX 's XXXX ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In? XXXX I received unemployment benefits? On. The? Bank of America Visa. Prepaid. Card to XXXX while receiving benefits I had experienced identity theft and unauthorized transactions due to fraud within my account 2 and a 1/2 years ago. I open the dispute 2 of them one in the amount of {$1900.00} the other 1 in the amount of XXXX. {$180.00} now they have opened and close them numerous times but upon receiving verification documents from me in XXXX of XXXX in reference to my identity theft and the fraud within my social security number that has been taken out by. An unknown person they have reopened the claim both claims and both of them have been in a pending state. I have contacted the number provided to me through Bank of America claims department and all they can do is escalate and write a complaint to the department. In reference to the time frame that has been exceeded as well as the non correspondence of communication and lack of interest based based on my accounts even with the. Documentation verifying everything that I have claimed. Tell the state I'm still trying to get Bank of America to. Please put the account funds back in my account that were fraudulently taken out by another individual who got access to my card. I did not want to take this route. Against speak of America but I think 2 and a 1/2 years is well above and beyond the time frame needed.
Consumer complaint received 2023-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 This account is showing inaccuracies on my credit report
Consumer complaint received 2023-08-21
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. (TX)

Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with XXXX. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with XXXX. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by XXXX as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ XXXX 's XXXX ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX
Consumer complaint received 2020-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

Increasing my monthly payment without my knowledge since XXXX XXXX from {$430.00} dollar monthly to $ XXXX.I was tried to contact the motgage company called PHH Multiples time but an able to get an answer.My mortgage has been a fixed one and I was surprised that a morgage company has a control on my finance and can modify the rate and garnish my money from my direct payment bank.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

XXXX sold an alleged debt to Amsher Collection Services Inc . According to XXXX XXXX XXXX, Amsher Collection Services is not licensed to collect debt in New York State. My issue now is that Amsher Collection Services is attempting to illegally collect a debt from a state they are not licensed inside of.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

Rcvd an unknown call from someone claiming to be from XXXX, XXXXXXXX XXXX XXXX  They provided a phone # of XXXX and provided XXXX # XXXX from an alleged debt from XXXX. 

They advised they are trying to serve me with a Civil Judgement. 

I advised I have no debt with said creditor " Chase '' and did not sustain that debt. 

Person on the phone said she did not have any further information and wished me good luck. They were pretty rude.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor credit score people.