davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 2022-03-21
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: Albert Corporation (NC)

On XX/XX/2022 my whole account was hacked, somebody took all the money out of my account, they also ordered a new card to whole nother state, they didn't even send a message that any of this was happening. I tryed to login to the app and it wouldn't let me, that's the only way I knew something was wrong, 4 days later they finally let me log into the account only to see all my paycheck was gone! I disputed the transactions, not even 4 hours later they tell me the dispute was denied.
Consumer complaint received 2022-03-22
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. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-03-08
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Company is not appropriately issuing a credit for a disputed, possibly fraudulent item, contrary to assurances given to me by the firm 's customer service representatives. In the absence of merchant documentation, a fair arbitration of this dispute would demand such a credit. 

I have concerns therefore that Chase is not complying with the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely dispute process. 

Please see my detailed letter.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (GA)

I am not liable for this debt of {$730.00} with SPRING OAKS CAPITAL LLC Acct : XXXX. I do not have a contract with Spring Oaks Capital LLC, and was not provided the original contract with my wet signature and ID verification.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I am having problems trying to prove my father in law 's death. XXXX XXXX XXXX XXXX died last year in XXXX due to XXXX. I have presented all financial documents for a loss mitigation review. However, to this date, proving my father in law 's death is holding up the review. I want to go forward with this loss mitigation review. I want the XXXX of the XXXX, or whatever higher office Mr. Cooper has to help me achieving my desire. I have extended my forbearance plan for three months.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

Our mortgage was sold to Chase on XX/XX/XXXX. We are set up to automatically electronically pay our payment each month. On XX/XX/XXXX, and on XX/XX/XXXX the payments were electronically transferred for the payments due on XX/XX/XXXX and XX/XX/XXXX, respectively. On XX/XX/XXXX I got a call from XXXX at Chase saying that we had not made a payment since XX/XX/XXXX. I informed that we, in fact, had and provided him the details of the e-payments and when they were made. He requested that I get details of the payments from our bank to help them find the missing payments. XXXX also stated that this process usually takes 3-5 business days. I called our bank, got this info, called Chase back and talked with a rep named XXXX, whom took the info and stated he entered it into the investigation file. Next communication from Chase was in the morning of XX/XX/XXXX, when I received another call from Chase about our mortgage being delinquent. I informed them that I had already spoke with the other reps, and was thinking this should be resolved by now. I gave them the info about the payments again. I followed up the next day, speaking with XXXX on the afternoon of XX/XX/XXXX. This conversation was productive in that we were able to verify that the mailing address was correct, and that the investigation was still open. On XX/XX/XXXX, was informed that they needed another piece of info, that the Chase rep termed a electronic type line transmission from our bank. I called our bank to request this, and no one there had any idea was this is. I went to the local Chase bank and spoke with a mortgage rep there ; she had no idea what this was either, so suggested I get any info from my bank I could. So I got the trace numbers for these transactions ( this was all the other info that there is for these transactions ) and had the local Chase branch fax this info to the investigation department. I call Chase back later that day, and the person I talked with was unable to verify if the fax had been received. On XX/XX/XXXX, we received in the mail paperwork to fill out to see if we qualify for assistance, and if not would face foreclosure! Today, XX/XX/XXXX, I called again and spoke with XXXX, whom confined all the info was in the file, and would escalate the file to get priority service. This has drawn out too long, and now we are being threatened with foreclosure when, in reality, we have not been even a day late on our payments.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (IL)

Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed disputXXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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. (PA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. I am in the process of buying a house and the items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Experian shows my FICO score went down 30 points. I don't have anything on my credit, but an account that I paid off. Experian is showing some account in red, but when I click to see where the red account is from, nothing shows up.
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-16
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)

Hello, the Experian quoted the credit report score at XXXX, this, with XXXX collections and a ( XXXX ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the Experian, XXXX and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! : - ) HAPPY HOLIDAY 'S!!! 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
Consumer complaint received 2021-06-14
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. (IN)

I have disputed the name variations on my report with Experian well over 3 times already with them. They have yet to remove the 2 that I demanding be removed due to data breaches I'm involved in and identity theft. The ONLY name that should be on my report is XXXX XXXX XXXX. The XXXX XXXX and the XXXX XXXX XXXX need removed immediately. I just logged onto my report with them online and it still is not fixed. I will be attaching the letter I mailed them ( certified as well ) back in MAY demanding this be fixed and they still are not adhering to my demands. According to FCRA it is now over 30 days since I've requested this so now they are in violation. If this continues to be an issue I will get legal counsel and sue.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : XXXX XXXX account was with XXXX balance last updated on XX/XX/XXXX. 
Company name : XXXXXXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.
Consumer complaint received 2022-02-15
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-12-03
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: Grain Technology, Inc. (NY)

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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account undersea open end consumer credit plan as late fr purpose.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (VA)

This debt has been included in the Bankruptcy but this company has violated the FCRA rule and for an automatic stay of this account in my credit report. This should be removed in my credit report immediately.
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Filed a complaint in XXXX regarding fraud on my HELOC account at Huntington. Complaint ID XXXX. The fraudulent balance was removed but the interest it accumulated was not credited back to my account as promised. In Huntington 's response I was told it would be taken care shortly. However I've followed up with Huntington 's representative numerous times and the matter has still not be resolved. From no less than 20 times of me reaching out him he has only responded 1 time. In his response he informed me the interest charge would be resolved in a matter of days ... that was weeks ago. He is no longer returning my numerous voice mails or follow-up emails.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington Mortgage Services , LLC has increased the amount charged to me each month in relation to my mortgage loan compared to my monthly payments before the transfer to Carrington. In answer to my repeated questions on this, Carrington says that the property taxes and insurance have gone up. However, the property taxes and insurance have *not increased*. Please see the attached documents I am uploading which prove that the property taxes and insurance have not increased. I want Carrington to correct this and to refund me the extra money it has forced me to pay.
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2022-10-08
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. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-15
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. (VA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act, 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. 

Furthermore, XXXX  XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.