davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

The Chase dispute department has not responded to my complaint regarding an XXXX XXXX  {$170.00} purchased in early XX/XX/2022 that was supposed to be foldable and instead caught my fingers in its mechanism. I requested a smart label from XXXX to return it. The vendor wants ME to return defective or dangerous merchandise at my cost. I believe Its their responsibility. No response. Meanwhile independent of this I hurt my leg so I cant pick up at all XXXX box which contains rack which is sitting in its box in the side of the house. Chase was supposed to issue credit per their letter to me and they did not. XXXX gaslighted me. I have called chase 5 times i hace contacted XXXX a dozen times on this issue. I am being gaslighted everywhere on this issue with a leg problem that makes things even harder for me and have seen the medical specialist, so I have proof that this is getting completely abusive and out of hand. Please tell Chase that XXXX must pick Up their defective merchandise. Its been almost two months. No credit has been issued. The chase credit card number has been changed due to an unrelated online scam. Plenty of those, arent there?! Chase has to be called each time. Wait on line and put up with nasty offshore personnel. Seriously? Attached is the note I get when I try to desk with this issue on the chase website
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I eagerly anticipate receiving positive deletion updates within the next 15 days. My sincere expectation is that the majority, if not all, of the fraudulent items listed in my complaint dated XX/XX/XXXX will be expeditiously removed. To ensure the realization of these deletions, I am submitting this complaint as a follow-up to my recent ones. Additionally, I am re-attaching my FTC report with reference numbers # XXXX and # XXXX. I earnestly request the prompt removal of the listed fraudulent items from 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 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 -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX APT XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX LOANDEPOT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ADVANTAGE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$260.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
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. (VA)

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response
Consumer complaint received 2022-02-27
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. (CA)

On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report
Consumer complaint received 2022-02-27
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. (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I sent XXXX an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered XXXX XXXX according to XXXX. XXXX defaulted on the Affidavit of Truth. 
XXXX has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. 
They are now reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. 
XXXX has still failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. XXXX was sent a Conditional Acceptance which was delivered and left with an individual of the company XX/XX/2021 which they have failed to respond to with in the given timeframe. 
As a result of these documents being sent to restore my financial reputation, XXXX not only reportedly raised the APR on the loan to an outrageous amount but now are reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ). 
I will state again pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.
Consumer complaint received 2016-12-30
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (VA)

On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX and Experian have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (TX)

I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance
Consumer complaint received 2023-05-22
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. (NC)

I checked my Equifax credit report and noticed I have 6 fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2024-03-08
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)

Ive noticed that XXXX XXXX from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX XXXX  and my XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (GA)

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 XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : 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 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I am requesting that the CFPB take a look at the excessive fees that are being charged by XXXX ( Lakeview Mortgage ). I have been behind on my mortgage for the last 6 months and I have been charged over {$45.00} a month for a late fee. This is abusive and excessive. If someone is struggling to pay their mortgage, why would they charge a borrower excessive fees which contribute to individuals falling further behind. I made a mortgage payment in XXXX but I was short by only XXXX dollars, yet I was charged a late fee and a return item fee of {$25.00}. 

Almost {$100.00} being charged to me as a borrower. When I tried to apply for mortgage assistance online, the XXXXLakeview website freezes. I think their website doesn't work on purpose. I had to make the last payment by phone due to the ineffective website. 

Please cap these excessive fees from XXXX/Lakeview. They are raking in record profits and the consumer is hurting. The economy is only getting worse and there is no one there to help the low and moderate income Americans.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (GA)

I have a derogatory mark in my credit report from national credit adjusters. I paid the debt owed to them abs that mark is still on my credit report and is still being reported. I called them to have it removed and they says they dont do that. So Im seeking higher actions to have this matter if possible. The debt was paid off in XXXX and they are still reporting to my account they last time they reported was on XX/XX/XXXX and I dont understand why when it was settled.
Consumer complaint received 2024-03-08
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.