davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Because I was vacationing outside the U.S. I sent money via bank bill pay to XXXXhree credit card companies in advance of receiving their bill. Two of the three were happy to receive money in advance of that money being due. CHASE however did not recognize that pre-payment as being toward the next statement I was to receive, and could not tell me how it was processed ( even though they did acknowledge receiving it. ). So in their accounting I did not pay that bill, which was less than what I sent them, and are charging me fees as past due. What kind of policy is that??? Money in advance doesnt work? 
I went through 2 Chase representatives and one supervisor to no avail. Please help a consumer who tried and did the right thing. Thank you, XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items 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 items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.
Consumer complaint received 2018-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I bought my home XXXX. Mr. Cooper became the third company to service my loan beginning XX/XX/2018. They are raising my escrow based on last years taxes from another owner who did not live on the premise. I have sent Mr. Cooper the correct tax amount from XXXX Sc website, but they will not review it until XX/XX/XXXX. Therefore my mortgage has increased from {$330.00} to {$460.00} and it is difficult for me a senior living off of a fixed income. 
Companies should not cause hardship to consumers especially when it is brought to their attention and it takes someone to take a moment, make a phone call and correct the situation. 
My account number is XXXX
Consumer complaint received 2023-07-29
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. (TX)

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. This account was to be removed XX/XX/XXXX, so why is it still reporting on my credit report? You are also reporting the XXXX as XX/XX/XXXX which is incorrect and another violation. XXXX has removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-06-29
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. (NM)

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. 

The letters are stated with items and issues. 

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 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Sadly, your response dated XX/XX/XXXX still does not answer my requests. Please carefully read the below. Also note that I have tried to contact your Ombudsman by email twice at XXXX but have not received any response ( XXXX XXXX XXXX XXXX XXXX XXXX ) Short Summary of items today : 1. My unanswered concerns that were originally expressed to XXXX initiated the late fees to begin accruing as they continued to ignore my requests. Today, its my understanding that you continued/continue to charge late fees ( although you credited an initial amount at transfer of the loan ) that are still due on the account. You claim that these are due because of an original loan agreement yet I claim that they are a result of unanswered questions that should have legally been answered for me upon my first inquiry years ago. 
2. Prior to and after the aforementioned unanswered inquiry regarding XXXX increase in my escrow payment amount portion ( nearly DOUBLE ) that was never answered, I paid XXXX on time and in full. To this day, I am still paying the understood amount due on time and in full. If you feel that there is a balance due that is not a late fee then, again, I ask for a full, simplified breakdown of that exact amount. This can be something discussed by phone and if true, I will promptly pay the amount due ( not a late fee ). 
3. You have still not given confirmation of the BANK ACCOUNT for the refunds intended to be issued back to me. Please verify that they were cashed into my account. If you can not verify that they were cashed into my account, I am formally requesting that you re-issue those check ( s ).
Consumer complaint received 2023-06-29
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. (NY)

PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND XXXX  FTC.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/23 I applied for a loan with XXXX XXXX XXXX and they sent capital one my information with out my consent reference number XXXX and they pulled my credit using my social security number and they are violating my rights 15 usc1611 and 15usc 1602 amount XXXX
Consumer complaint received 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank, XXXX, has yet to answer any of my questions, return any of my calls. She then forwarded a check to me, received today, it that has been tied up since XXXX +- no explanations. 

XXXX is it remotely possible that CHASE BANK HAS THE RIGHT OR AUTHORITY TO DO THIS? 

XXXX phone calls to chase, the bank the funds were pulled from I finally started posting this extremely poor behavior and service on XXXX, each post I made was responded to with blah, blah, blah, please call us at customer service .... each time no resolve and even now that I have received the check, questioned NOT ANSWERED I again question? How does one get a number into CHASE VERIFICATION SYSTEM, No one at CHASE could ever answer that question!!! 

How is I ask again that CHASE can mess with people 's finances like this? Check paid NO INTEREST for 5 +- months? A search on XXXX will tell you this practice with CHASE is not limited to just a few people across this nation! Chase has destroyed some peoples financial stability. They act in a criminal manner and should be highly scrutinized moving forward.
Consumer complaint received 2023-06-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.o. box XXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report
Consumer complaint received 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.
Consumer complaint received 2023-06-29
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)

There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. That is XXXX them!! The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. Same occurrence on Transunion it was shown accurately on Transunion reporting " included in bankruptcy '' for months, and now they have reverted back to showing it as a charge off. 
I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Consumer complaint received 2023-06-02
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. (FL)

I sent a dispute in writing to Experian, XXXX and XXXX asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.
Consumer complaint received 2023-06-29
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. (GA)

I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A
Consumer complaint received 2023-06-29
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. (FL)

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my attempts, Experian has not responded to my request, and the following discrepancies remain unresolved. I kindly request your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian has included an account attributed to XXXX XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : XXXX. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$980.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$300000.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$260.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXXXXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$410.00}. I want to clarify that this account does not belong to me, and I request that Experian removes it from my credit report.
Consumer complaint received 2023-06-29
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. (TX)

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

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

PLEASE SEE ATTACHED LETTERS.