davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

The mortgage company that has my home loan, Mr. Cooper, has been having issues with their online payments t processing. I have been using. This payment method for several years but within the past few month their online system has been having errors. The most recent was in XXXX when I tried to make my payment t but their system wouldnt process it. By the time their system was working it was the first of XXXX. I made my payment t and co tacked them about the system being down and requested them not to report my late payment t to my credit report. I found that Mr Cooper had misapplied my payment on my accounts and made my payment t amounts incorrect. I was told by their customer service that it would be corrected. Whe. I have made my most recent payment this month, I am finding that my XXXX payment is still misapplied and my insurance escrow is not correct. It shows a refund in which I never received. Ive contacted Mr Cooper to correct but can not get a response from their customer service.
Consumer complaint received 2024-04-13
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: JPMORGAN CHASE & CO. (CA)

This account JPCMB BANK was not authorized/this is not a debt that personally belongs to me. I attached a copy of my report from XXXX to XX/XX/2021 to prove that this account does not belong to me. If you review my report from the 3 credit bureaus, this account just appeared and reported this year.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It XXXX Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Consumer complaint received 2022-05-31
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-05-31
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. 
XXXX XXXX Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX 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.
Consumer complaint received 2022-05-31
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. 
XXXX XXXX Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX 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.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Unauthorized and fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

My account with HSBC has been " recommended for closure '' and have yet to receive any notification as to why or the funds that are in the account. The initial closure process started on XX/XX/2022 and as of XX/XX/2022 I still have not received a response. Whenever I call HSBC I get the same response that my issue will be " escalated '', but then nothing happens. I just want my money back, this whole ordeal has been very stressful to the point of it causing undue hardship and has impacted my XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

The bank of my called First National Bank of Omaha Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the XXXX XXXX XXXX late! The XXXX XXXX XXXX refused to change or correct the information. However, they did AFTER receiving the check from the First National Bank of Omaha. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The XXXX XXXX XXXX charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The XXXX   XXXX XXXX is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX was the one that shows me the problem and it started with XXXX XXXX XXXX. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within XXXX XXXX XXXX. XXXX needs to fix this record and do not blame me for the APR because the man at the XXXX  XXXX XXXX never told me about the APR. I would not want a secured card with a high APR, the XXXX XXXX XXXX never told me about the APR. However, the XXXX XXXX XXXX and XXXX both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check National Bank of Omaha, it has a proper status as + for a credit. However, the XXXX  XXXX XXXX has - as a symbol for a credit. I do not like the XXXX XXXX XXXX s symbol. It is not friendly. They need to change to + as a credit. It is more proper status.
Consumer complaint received 2023-06-23
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-14
Product: Credit 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. (CA)

I purchased a tent from XXXX, but later returned it on XX/XX/2024. According to the merchant 's website, they received my returned item, but never issued a refund. I contacted Chase and disputed the purchase, and they reviewed my case on XX/XX/XXXX. However, on XX/XX/XXXX, they received information from the merchant and determined that my dispute was not valid. 

I contested this decision by uploading evidence on XX/XX/XXXX, but without requesting any further information, the system automatically sent me an email on XX/XX/2024 stating that the " transactions you disputed are valid. '' Confused by this outcome, I contacted customer service, but they were unable to explain why my dispute was rejected.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (TX)

Hello I have been working hard on my credit this past year and learning about the FCRA. A couple of months ago i noticed i had items that was inaccurate and unverifiable on my report. I reached out to the bureaus and recieved letter 30 to 45 days later that my accounts was verified and updated. i waited 30 days to look at my file again and the items that was inaccurate still are there and they should have been deleted due to inaccurracy. In accordance to the Fair Credit Reporting Act. Futhermore 15 U.S.C 1681 section602 A states I have a right to privacy.15 U.S.C 1681 section 604a It also states a consumer reporting agency can not furnish a account without my written instructions. I have attached and circled the inaccurate. First XXXX account XXXX should be deleted the dates accurate, XXXX XXXX # XXXX dates are inaccurate, XXXX XXXX dates inaccurate, XXXX XXXX payment has no record of my information, XXXX XXXX XXXX i was 120 days late I dont have a contract with them how can i be late on a collection, XXXX XXXX collect again no contract bearing my signature, XXXX XXXXXXXX stated all late payments should be removed and lates are still showing from the pandemic my lates was excused due to covid. XXXX has address that needs to be deleted.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I have been working hard on my credit this past year and learning about the FCRA. A couple of months ago i noticed i had items that was inaccurate and unverifiable on my report. I reached out to the bureaus and recieved letter 30 to 45 days later that my accounts was verified and updated. i waited 30 days to look at my file again and the items that was inaccurate still are there and they should have been deleted due to inaccurracy. In accordance to the Fair Credit Reporting Act. Futhermore 15 U.S.C 1681 section602 A states I have a right to privacy.15 U.S.C 1681 section 604a It also states a consumer reporting agency can not furnish a account without my written instructions. I have attached and circled the inaccurate. First XXXX account XXXX should be deleted the dates accurate, XXXX XXXX # XXXX dates are inaccurate, XXXX XXXX dates inaccurate, XXXX XXXX payment has no record of my information, XXXX XXXX XXXX i was 120 days late I dont have a contract with them how can i be late on a collection, XXXX XXXX collect again no contract bearing my signature, XXXX XXXXXXXX stated all late payments should be removed and lates are still showing from the pandemic my lates was excused due to covid. XXXX has address that needs to be deleted.
Consumer complaint received 2022-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

In XX/XX/2022 we purchased a home using XXXX XXXX  company. During XXXX and XXXX we paid them {$180000.00}. They sold our loan to Amerihome Mortgage. During this process our extra payments got lost. XXXX XXXX says the money was transferred. Amerihome says they can't find it. Every time I call Amerihome I speak to a different person and get different answers to the same question. Finally they gave me an email address to file a complaint with. Two weeks later when I checked on my email I was told they no longer use that email address, and to file my complaint using a different method. 

Amerihome has copies of my bank statements and a copy of the payment history from XXXX. The problem is every time I contact them they tell me a different date of when I can get them to address this situation.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

At XXXX on XXXX, 5 guys approached my friend and I and took my XXXX. One was able to open my Chase Mobile Banking app using my XXXX XXXX  while the other 4 were able to distract my friend and I. Once into my Chase app, he then XXXX  himself {$2000.00} and deleted my Chase app. Once I got my phone back, I redownloaded the Chase app and locked my card and attempted to file a fraud claim, which the department was closed. In the morning ( XXXX on XXXX ), I was able to call and file the claim with Chase . The night of the incident, I was able to file a claim with XXXX, as well as a police report. XXXX stated that since it was made through the Chase app, they could not help, and Chase said that since it was from my phone, it was authorized.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (FL)

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, XXXX and Experian did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

there is a invalid charge on my cc which i donot recognized charged without my authorization and without my knowledge and fraudulant and cc refuses to remove this invalid fraudulant charge from my cc and continue to acumulate interest charges on this purchase and made a big debt amount on my cc.
Consumer complaint received 2023-02-21
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. (PA)

Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, Transunion and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but Transunion has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Sent three payments of {$1600.00} each for rental of apartment at XXXX XXXX XXXX XXXX XXXX in XXXX, Connecticut for first month rent, last month rent and security deposit from XXXX XXXX ( fake name ). The XXXX payments were to XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). We found out on XX/XX/XXXX there was no apartment to rent. Citi not likely to reimburse us based on their comments to us.
Consumer complaint received 2022-05-31
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 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 a account without my written instructions