davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

Made on line payment on XX/XX/2021. Chase received and misapplied. It is a week now and they reversed it out but have yet to apply my payment. 

Than on XX/XX/2021 we made a {$470000.00} principal payment by wire. They received and finally on XX/XX/2021 applied to the loan but now are reversing it out as if it never was made, Chase has had our funds for over a week and I keep getting pushed from one department to the next. I was told on XX/XX/2021 by XXXX XXXX in executive escalation that this would be resolved by today, and yet it is still not resolved. 

I am getting a run around and my payments are not being applied
Consumer complaint received 2022-04-10
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 Account # XXXX, XXXX XXXX XXXX # XXXX, 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 2022-04-13
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. (TX)

Transunion shows incorrect information Shows account balances when accounts have XXXX balances since XXXX. 
All the other 2 reporting agencies have the information correctly listed. 

NOT TRANSUNION - SINCE XXXX, THEY HAVE LISTED THE INCORRECT INFORMATION - PREVENTING HOME LOANS AND CAUSING HIGHER INTEREST RATES FOR CONSUMER. 

TransUnion Online : https : //dispute.transunion.com By mail : Download the dispute form Mail the dispute form with your letter to : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CO)

This company knows this account was open due to identity theft. They called several times saying I owed this money to XXXX. I explained to them I never had XXXX in my name because my husband works for them so we get free cable. Every time I asked to verify the social security number they had they never did. Every time I asked them to send the information by mail. They brought up an address in Alabama and I live in Colorado. I also let them know my identity had been stolen as well. I will also like to add I did have a fraud alert on my credit but I finally lifted it last Friday now they put this on my credit on yesterday XX/XX/22.
Consumer complaint received 2023-03-09
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. (GA)

I recently received a copy of my ( XXXX, XXXX, or Transunion ) credit report, and an erroneous late payment posted on my credit report : SXXXX XXXX XXXX XXXX  Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NY)

My monthly mortgage payment is {$1700.00}. XXXX , XXXX, as sub-servicer for Nationwide Mortgage Bankers , Inc., received a partial payment on XX/XX/2022 in the amount of {$820.00} and properly credited this to the Suspense Account, as partial payments are not allowed under the terms of this loan 's servicing. The following day ( XX/XX/2022 ), however, the servicer unilaterally and without notice applied this payment as a principal-only payment instead, without my advice or permission. Upon contacting the servicer, they indicated that partial payment money can not be held in the suspense account and incorrectly claimed that servicers have the right and obligation to apply suspense however they see fit at any time. This interpretation contradicts the express meaning, purpose, and operation of the suspense account as described in Regulation Z at 12 CFR 1026.36 ( c ) ( 1 ). Mortgage servicer has subsequently agreed, at my request, to reverse their " principal curtailment '' action and merge the {$820.00} partial payment instead with the other {$910.00} in partial payments subsequently received on XX/XX/2022 into the suspense account, and then appropriately apply the combined amount of {$1700.00} towards my XX/XX/XXXX payment, albeit posted on XX/XX/XXXX despite the fact that the remainder of the payment was actually received on XX/XX/XXXX. No late fee was charged in this case since I brought the issue to their attention during the 15 day grace period.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A XXXX certified letter dated XXXX XXXX, XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XXXX XXXX, XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX XXXX or Experian.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XX/XX/2022 Portfolio Recovery. ACCOUNT ENDING in XXXX - I have attached a letter from XXXX  XXXX stating that the account that Portfolio Recovery purchased from XXXX  XXXX was opened through fraud. I am not responsible for any balance that XXXX XXXX decided to open due to fraud. Portfolio Recovery contact the XXXX and XXXX and remove the account from my credit report. I have sent XXXX and XXXX a copy of the document XXXX XXXX sent me as well.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (WA)

I took a loan {$40000.00} with Upstart resulting in origination fee of {$2600.00} deducted from the loan. I paid off the entire loan after 3 months of contracting it. I approached the Upstart for a partial refund om the origination fees, since I only used {$1500.00} of the loan. 
I received periodic emails from Upstart stating that I was eligible for origination fees refund for early payoff. But Upstart personal informed for the first time that I was not eligible as stating in the emails I got. and to refer to some document I was not made aware of and inform at the signing of my contract with them. 
I contacted Upstart again to find out what is the criteria and requirement for eligibility, who is eligible, who makes the decision, on what the decision of ineligibility is based on. 
this information was not disclosed to me until today. So, I strongly the decision of eligibility is arbitrary, unilateral, therefore discriminatory.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.
Consumer complaint received 2017-08-28
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. (TN)

This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
Consumer complaint received 2015-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (CA)

I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under HP sears for XXXX in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.
Consumer complaint received 2022-04-13
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: Exeter Finance, LLC. (NJ)

XXXX XXXX on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. XXXX XXXX XXXX, Exeter bank, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

Dear DEPT OF ED/AIDVANTAGE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-10
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 Account # XXXX, XXXX XXXX XXXX # XXXX, 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 2021-05-18
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. (TX)

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Newman, Hesse & Associates, P. A. (KS)

I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the HR department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

There are student Loans being reported on my credit report that the department of Education has placed on my credit report. My rights have been violated and I am insisting that the inaccurate accounts and information on my report be removed at once. The investigation process has not gotten me the necessary results so I must escalate to direct disputes with the Department of Education directly
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (MD)

Company has refused to comply with validation of debt requests pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Within the 30 day period required.
Consumer complaint received 2024-01-07
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (IA)

I was sent to collections by an agency that they credit repair service Lexington Law said had deleted and removed my information. Further then I was found in default judgement for this debt that was supposedly deleted/removed. They failed to provide legal support through counsel as they had previously advertised and upon contacting me they said they longer do this. I was unaware of the current lawsuit for similar accusations at that time. I have used there services multiple years and like to know what else they werent doing I was paying {$150.00} XXXX XXXX for XXXX.
Consumer complaint received 2022-04-13
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)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX