davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (FL)

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX  Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (KY)

XXXX J.P. Chase Morgan Bank Private Client mortgage including escrow and other promised securities violations Predatory lending, tampering with safety deposit box and contents, illegal foreclosure ( owner is protected active military  XXXX XXXX  ) deceased ... unlawful possession, intimidation, multiple city and health code violations that were never inspected, property or condition before lending was completely undisclosed during sale or transfer! BLACK MOLD TOXICITY ... .WRONGFUL DEATH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Kentucky XXXX Umbrella policy New deed filed XX/XX/2019 New deed filed XX/XX/2019 XXXX I can get no information on this new deed II could not file a complaint then With the insurance provider agent I have been rejected and disregarded For a very long time I am XXXX  XXXX and separated from my children due to the lack of paid services that were insured to me as a named member on the umbrella policy I can give you more details but I dont know exactly what Else to do right now! Im ready to give up XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

On XX/XX/2020 2 certified letters were mailed to LexisNexis asking them to verify the information which is located in my file they maintain under my consumer report. I received a letter dated XX/XX/2020 stating that the information they verified was correct. However I mailed a letter to the Office of XXXX XXXX county clerks office of XXXX county asking them if they verify tax liens with consumer or credit reporting agencies and the letter states no they do not report, validate, or confirm tax lien fillings or records to the credit bureaus. Yet and still LexisNexis continues to report the tax lien in the consumer report listed under my consumer number. I have provided copy of the letter in which was sent to me from the County clerks office, the same letter which was mailed to Lexis Nexis.
Consumer complaint received 2024-06-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LoanCare, LLC (FL)

On or around XX/XX/XXXX, XXXX XXXX XXXX LoanCare , LLC and XXXX XXXX XXXX XXXX XXXX XXXX collected {$60000.00} for alleged mortgage or loan and took monthly payments of {$4600.00} on an alleged mortgage debt that we do not owe, still until today. We require proof of claim for any debt we are liable for, evidenced by a sworn affidavit from a party from : XXXX XXXX XXXX and XXXX XXXX  ; hereafter Principal ( XXXX ) having direct first-hand-knowledge and chain of custody of any debt owed to said Principal ( s ) by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX.LoanCare LLC and XXXX XXXX XXXX XXXX XXXX XXXX with us triggered liability under Sections 15 U.S. Code 1692e - False and misleading representations.
Consumer complaint received 2024-03-19
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. (MI)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (AL)

I filed a complaint against Navy Federal Credit Union on the basis i believe I was wrongfully denied credit this establishment. Further, I believe Navy Federal Credit Union did not follow standard protocol in reaching a decision in determining my creditworthiness. According to the letter received from Navy Federal Credit Union, Quote : " We used a credit scoring system that assigns numerical value to various items of consumer report information we consider in evaluating a member 's creditworthiness. These numerical values are based upon the results of analyses of repayment histories and behaviors of large numbers of members. This system creates a proprietary Navy Federal credit score for each credit card applicant with consumer report information on file. We did not use your credit score from a consumer reporting agency, but rather used a proprietary Navy Federal credit score in making our credit decision ... End of Quote. It essence, Navy Federal Credit Union disregarded the National Credit Rating system which is standardly used to determine U.S. citizens credit worthiness. But rather used their own discriminatory practices to deny me credit. At the time I applied for credit with Navy Federal Credit Union ; and was denied, my credit score was approximately 678. However the system Navy Federal Credit Union used rated my score at 304. Furthermore, Navy Federal Credit Union admitted that the credit score from the Nationally used credit reporting agency was not used. however, they also admitted my Navy Federal Credit Score reflects information in my consumer report. Therefore, If they did not use my National Credit Reporting consumer information, how were they able to determine their Navy Federal Credit Union score reflects information in my consumer report? These practices are discriminatory and must not be allowed to continue!
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

I received a bill in 2017 from XXXX XXXX XXXX XXXX XXXX Arkansas for XXXX XXXX, in the amount of {$110.00}. Her mother, my sister, took XXXX to the emergency room and used my ID to check her into the ER. XXXX was a ward of the state on visitation when she was taken to the E.R. My sister, her mother, is responsible for the bill or the State of Arkansas because she was their ward in foster care. I called XXXX XXXX XXXX and they never updated the account.
Consumer complaint received 2020-06-19
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: BARCLAYS BANK DELAWARE (IL)

In XXXX I have disputed a charge for {$28.00} with a merchant XXXX XXXX as there was a problem with the transaction. I contacted the merchant and he agreed to issue a full refund after receiving the merchandise back. 
The merchandise was sent and received and instead of full refund Mr XXXX issued small four refunds that didn't amount to the total of the purchase. 
I have contacted Barclay Card and disputed the purchase. I was then told that the remaining balance will be disputed to make sure that the full amount of purchase is credited. However on XX/XX/XXXX I received a notice that the Barclay Card only credited {$1.00} to my account. 

1 ) Why the overseas call center personnel misleads consumers?

2 ) Despite a long wait, the BarclayCard is issuing a statement that it provides no longer a card suspension service on the phone in violation of its credit card agreement and US laws. It is using a COVID-19 excuse to suspend it services to the cardmembers offering only an online option that is unavailable to people with poor or non existent internet connection.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Since the pandemic started we've continued to request Mr. Cooper to lower payments and/or interest rates. We have remained in XXXX with no relief because if we can not afford the payment to the trustee, the filed of dismissal will then turn into foreclosure. Our attorney has not been able to assist, but did tell us Mr. Cooper refused to lower payments because we refused to accept a forbearance which would only place payments at the end of the loan. Our attorney advised against this. Afterwards Mr. Cooper has turn down every request made to them including lowering interest rate that gives them {$700.00} in payments, and only {$200.00} towards our principal.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Hello- My money is escrowed and PHH Mortgage has not paid my property taxes that were due in XX/XX/2020. 

I have been calling them since XXXX and have spoken with at least 10 different escalation agents. My property taxes were due in XXXX. Late fees have been accumulating and I am afraid I am going to be foreclosed upon if they do not take my money out of escrow and pay my taxes. I have a record of all of my phone calls. 

My assigned casemanager XXXX has not returned my calls and I keep being told she's working on it with no answers as to when they will be paid. I just called again and was given the same run around, that I will hear from her soon and she is working on it.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CO)

I leased a vehicle through us bank. The lease is ending XX/XX/XXXX. US Bank provided me 3 options : trade-in, turn In, or purchase. On XX/XX/XXXX I attempted to enter into a lease for another vehicle and trade-in the vehicle leased through US Bank XXXX US Bank would not allow the trade-in unless the dealer paid a mark-up of more than $ XXXX of what the lessee had listed in the contract to purchase. Basically US Bank is only allowed to make equity on th sale of the vehicle, not the lessee who drove, maintained, a made prompt lease payments on the vehicle.
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (VA)

The  XXXX   XXXX  settlement case. Turned in my car on   XX/XX/XXXX ,   promised that Chase would  pay $ 12,000+.  It is now   XX/XX/XXXX ,  my  XXXX  settlement account is blocked and I was told that Chase would call. They never did.
Consumer complaint received 2023-01-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the accounts corrected PRONTO : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase has recently started charging cash advance fees for peer-to-peer transactions made with its credit cards, despite placing a statement in the XXXX XXXX XXXX and other media saying they do not do this. 

On XX/XX/2020 I made a XXXX transfer to my friend using a Chase credit card. I was concerned about being charged Cash Advance Fees, so I tried to look up Chase 's policy on the issue. In the past, Chase had not charged me cash advance fees for XXXX peer-to-peer payments but I wanted to be doubly sure. The transaction was for {$260.00} and Chase charged me cash advance fees of {$13.00} and interest of {$2.00}. 

I found this XXXX XXXX XXXXXXXX XXXX from XX/XX/2020 XXXX see attached PDF ) titled " Beware the Fees That Come With Some Money Transfers on Apps '' with the statement : " Chase is not charging its credit card holders the cash advance fee for peer-to-peer payments, a spokesman said. ". I was reassured by this very clear statement in the paper of record and proceeded with my transaction. 

Chase then charged me a 5 % cash advance fee as well as interest on the payment starting immediately. When I contacted them about their company 's explicit position, they said the XXXX was inaccurate and the statement was not official company policy. They refused to refund the fee, even as a one-time exception. They refunded the {$2.00} in interest, but not the much larger cash advance fee. 

In short, Chase made a statement for the good publicity in the XXXX XXXX XXXXXXXX, but failed to honor their word and was charging their customers unadvertised fees anyways. When called out on it, they have instead doubled-down and are accusing the XXXX  of publishing a statement without their approval, even though the statement comes directly from a Chase spokesperson.
Consumer complaint received 2020-06-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX  XXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX XXXX {$740.00} XXXX XXXX  XXXX {$460.00}
Consumer complaint received 2020-10-02
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XXXX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-10-02
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-08-06
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: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CREDIT UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

When I provided a copy of the FTC report, it was determined that credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following objects recorded under that are responding incorrectly because of fraud. The following items need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.