davidheineman/consumer-finance-complaints-large huggingface dataset:
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: JPMORGAN CHASE & CO. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information JPMorgan Chase & Co is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMorgan Chase & Co the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX, JPMorgan Chase & Co whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMorgan Chase & Co Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CO)

Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This XXXX account should also be removed from XXXX.
Consumer complaint received 2019-08-10
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. (CA)

Experian has a lot of wrong information and sticking to them I disputed it many times but Still it is there Im tired from them. 
The wrong info doesnt allow me to get a loan or a credit card It says bad and false info on my report to prevent me from progressing in my financial life. It caused me to not have a credit by making my profile untruthful and unreadable. 
Any creditor avoiding to trust me because of false info that the Experian spread it!!! 
Please help me out I need to save my life from all inaccurate information that Experian is reporting purposely.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent 2 payments XX/XX/19 ( {$180.00} ) and XX/XX/19 XXXX {$740.00} ) via Bank of America XXXX to a phone number but it was incorrect by one digit. I contacted Bank of America as I discovered the person I meant to send the money to never did and made a claim with Bank of America. 

They contacted the party who received the money incorrectly ( who is also a Bank of America client ) and they are refusing to refund the money that was incorrectly transferred to them. My bank says they cant credit his account or do anything for me.
Consumer complaint received 2023-01-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (GA)

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-19
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2020-11-29
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. (KS)

I keep trying to dispute a account which has been paid with experian and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I just refinance my mortgage with The Money Source via XXXX XXXX. Now that the loan came though i tried to go online to the money source and got a warning this site in secure do not share any financial information ... This company is putting every one of their borrowers in danger ...
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

See complaint : XXXX SUBMITTED ON XX/XX/2019 PRODUCT Debt collection ISSUE Written notification about debt Original complaint was submitted with the credit bureaus on XX/XX/XXXX. 
No communications was sent by Midwest recovery XX/XX/XXXX submitted complaint with CFPB As of todays date XX/XX/XXXX, I have received no written communications as to which showing the original creditor or any written notifications from midwest Or its clients. 
The debt collector has failed vied any documentations to consumer. 
30 days has passed since the original dispute to the bureaus. Credit collections reporting on my credit report shall be removed
Consumer complaint received 2024-02-19
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. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (CT)

Better mortgage is terrible. They told me they'd be my originator and servicer. Then they sold my loan to XXXX XXXX and forgot to pay my insurance bill. They're amateur best. My homeowners insurance has since been canceled, meanwhile, I have XXXX  in escrow.
Consumer complaint received 2019-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 and XX/XX/2018, I noticed that my Bank of America Credit card account had unauthorized charges from XXXX " XXXX ''. There were total 7 transactions, totaling {$32000.00}. 

This was part of a much larger issue of my account being hacked and charged fraudulently for about {$100000.00}. When I noticed all the transactions, I found out who the merchant was and called them ( I dealt with the merchant prior ). The merchant said he did not put any of the charges on the card. He called his credit card processor-XXXX and almost all of the charges were refunded to my account. 

The 7 charges from XXXX were never refunded and XXXX could not refund them. I immediately called Bank of America and told them these were unauthorized/fraudulent charges. Bank of America, however, did not reverse the charges and never refunded them. They are still on my account. 

I am making this very clear. The charges by XXXX on my account were fraudulent and in no way authorized by me. I have not in any way ever authorized these charges on my account. These were not " disputed transactions '', they were simply erroneous/fraudulent transactions that should be removed from my credit card account.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2023-01-29
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 do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -TransUnion XXXX XXXX XXXX XXXX  - XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX - XXXX,
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , CA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX/ XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (CA)

On XXXX XXXX  a check was issued and paid to Credit Corp Solutions to pay a old CC debt in the amount of {$5600.00} that originated from XXXX XXXX XXXX XXXX On that very same day Attorney XXXX XXXX XXXX XXXX. filed a law suite in XXXX XXXX XXXX XXXX on behalf of Credit Corp Solutions stating this debt had not been paid. I have made several contacts to XXXX XXXX XXXX without a reply for past XXXX weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. XXXX & XXXX XXXX. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the XXXX XXXX of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from XXXX & XXXX XXXX.
Consumer complaint received 2021-04-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal.  XX/XX/XXXX), you may be liable for your willful non-compliance.
Consumer complaint received 2019-02-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

had a car loan with bank of america in which was paid off XX/XX/XXXX but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (IL)

I am writing to delete the following information in my file. 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 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

When card holders of Capital One US Credit cards make payments to the account they must do so by XXXX EST. Other financial institutions allow you until XXXX EST. Each time that the payment is made after XXXX you get a {$37.00} late fee and hurt your chances of improving your credit with and increase ( I am trying to remodel my home and was going to ask for an increase ) even when you you make the payment on the due date just after XXXX EST. When you call capital one to talk with them about this, you will get told that is their policy and there is never anyone there to give the information to that would maybe pass the idea along to catch of with the reset of the industry. I have made multiple calls to the but clearly it never goes anywhere. 

I am very responsible and I am a XXXX XXXX XXXX who has been working 7 days a week for 12hrs a day because of the recent hurricanes and when i called them after work at XXXX on XXXX to try and XXXX XXXX the money tonight so i would not be late, i was told that any payment weather XXXX XXXX or through my account, would be considered late after XXXX EST. I have made the payment a few years ago at a XXXX union after XXXX and it was n't late, that has now changed. Why are they making it harder to make payments and punish the consumer for trying to make a payment on the day it is due. 

If you are in PST ( CA, OR, WA ) you only have until XXXX your time. Why is this even a thing? This is XXXX, something needs to change. I am sure if this is happening to me its happening to more people.
Consumer complaint received 2019-08-10
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. (NE)

In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police XXXX. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.
Consumer complaint received 2021-09-11
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: Resurgent Capital Services L.P. (TX)

I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.