davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Originally purchased home 4 years ago at {$400.00} appraised at {$410.00} financed through chase. While trying to figure out why my payments climbed from {$2600.00} to over $ 3k I found out i have been overpaying state property tax fees. I was only able to get 2 years refund from the state but was able to fix this issue ; however, even after calling and squaring this away with the escrow department they paid the same amount AGAIN and raised my rate. 

Recently, this past month while trying to get PMI removed I believe the bank is not behaving correctly. We've paid the house down to $ XXXX and the exact same house sold for {$460.00} so we called to request PMI removal. Chase informed me we are required to use their appraiser at {$550.00} to confirm property value and I had no input on the appraiser used. I agreed and they denied my request but did not send me a copy of appraisal or inform me ... i later found out by calling back in to get the status. After requesting copy I noticed they used comps on homes that are not similar to mine and resulted in a {$430.00} appraisal. The numbers are suspiciously close to the original PMI removal of 80 % off {$400.00} vs 75 % of {$430.00} ( XXXX vs XXXX ). I was given the option to submit 3 comps and argue my appraisal but they have lost this paperwork and now claim the original appraisal will expire and I will need to pay another {$550.00} to remove PMI with a check of $ XXXX to pay principal down. 

I believe the mortgage company is unfairly requiring me to pay extra principal to remove PMI insurance when i'm in good standing within 80 % TLV. Further, i was required to use their appraiser who unfairly tilted the scales in their favor regarding home value by citing properties that do not even have their own driveways.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am unable to dispute information online with Equifax. They say they needed to send me some code via mail. I have not received that code. I have tried to call and get it solved but every time I call they say their system is down.
Consumer complaint received 2023-01-16
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. (IL)

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.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just recently looked at my Trans union credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XXXX  : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So once again Trans Union isn't paying any attention or just don't care, and I think its the later, I noticed on my trans Union report you have one account listed three times through XXXX XXXX as reported by XXXX XXXX XXXX, since you have proven conclusively in the past that you don't give a XXXX about someone who has suffered with XXXX it looks like we will just let my attorney along with the A.G. office in  both states along with the FTC handle this and make no mistake we are coming after you.

In addition to the above reference account we notice yet another account also listed as being reported through XXXX XXXX   for XXXX XXXX XXXX and this one is listed not once not twice but three times on your platform and let me XXXX guess, you didn't notice it right?
Consumer complaint received 2018-03-02
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. (CA)

My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within XXXX  days of this notice or else a lawsuit will be filed
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Im having an issue with Citi Bank credit card. My credit reports are reporting negative because the payment did not process for multiple months through their system correctly. I dont know what happened. 
I paid my Citibank card in full and closed the card through the phone in XX/XX/XXXX. This 1st associate confirmed with me on the phone that it was paid in full and my card and account were closed that day. 
However, on XX/XX/XXXX Citibank called me again and a 2nd associate told me that I didn't pay my card yet and that it was still open. I told her that 1 month ago, I gave the 1st associate my bank account information to process the payment in order to pay the credit card in full and to close it. I told this 2nd associate that the 1st associate confirmed with me that it was paid in full and on time. The card was then closed. I was confused but this 2nd associate telling me she couldn't do anything about fixing it or removing this processing error on their side. I was upset because this 2nd associate said it was not paid so I had to go through the payment process again. According to Citi Bank, it was finally paid in full and the card and account were closed. However, it is counting as a few late payments because the payment processing didnt work. I have attached my bank information showing XX/XX/XXXX was the last payment for this card of {$80.00}. I have also attached my credit report. The credit report doesnt make sense because it says I was late XX/XX/XXXX+ XX/XX/XXXX+ XX/XX/XXXX+XX/XX/XXXX. How can I be late? I paid this credit card off again the second time on XX/XX/XXXX? There are no payments to Citi Bank from my bank accounts over any of the those months.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent letters to Experian and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX  is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

I have noticed while reviewing my personal credit reports a collection from IC System reporting a fraudulent account that originated from XXXX Georgia XXXX XXXX. 
I have called and spoken with a representative that did not assist me in resolving this identity theft matter only was interested in collection on this alleged debt. 

I then written IC System on various dates from XX/XX/2021 threw XX/XX/2021 and have not received any responses as to the removal of the XXXX account that is being reported inaccurately which is a violation of my privacy rights.
Consumer complaint received 2023-01-16
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. (AZ)

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There is a hard inquiry on my credit report from XX/XX/2019. While we were going to use XXXX XXXX we couldn't/did n't in the end. I don't want their hard inquiry sitting on my credit report for two years since I didn't even use their product.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. Help!!!!!!
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (CA)

Hello I sent a letter on XXXX/XXXX/2022 to Experian, XXXX and XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting Act 15 USC 1681.I have the right to privacy, Also according to 15 USC 6802 , No financial institution is supose to share my information to third party people.
Consumer complaint received 2023-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (IL)

After learning that my rights as a consumer were violated in several ways. I rescinded my contract with Flagship Credit acceptance, I noted that I required a remedy for the furnishing of a deceptive and fraudulent contract and other violations according to Law. The notarized affidavit I sent to them on XX/XX/2023. Without a response to my affidavit to Flagship credit acceptance, my car was repossessed XX/XX/2023.
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15
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. (NV)

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

there was on unauthorized garnishment of my joint account violating my privacy rights under 15 USC 6801 ( a ) privacy obligation policy written by XXXX. My rights were further violated under the same code causing harm 15 USC ( b ) ( 3 ). I was not disclosed which is required under 15 USC 6803 ( a ) ( 1 ) ( 3 ). Under 15 USC 6802 a financial institution may not, directly or through any affiliate disclose to a nonaffiliate third party any non public information, unless such financial institution provides or has provided to the consumer a notice. I was not the subject of any garnishment so my personal information must remain private under all circumstances. under the XXXX XXXX XXXX sec. 503 ( a ) ( 1,2,3 ) my non public information is to be protected under the law.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-03-19
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. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.