davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of Hurrican Irma in XX/XX/XXXX..I called Chase and they advised that they had a defferred payment plan for customers affected by the Hurricane Irma I enrolled both my Chase credit cards in the program. I was told i would be mailed out written verfication of the program and the specifics and payment due dates. I never received and confirmation of the plan terms or new due dates of payment. 
I believed i was enrolled into the Irma defferred relief program until XX/XX/ i believed. Around XX/XX/XXXX I called up to make payments and they said my account was closed and they would not open even if i made payments that i was charged late fees and that they had reported me to the credit bureau for being over 90 days late.They said that the program was for 30 days not 90 like that i was lead to believe. Further i never got any communication that i was in the deferred program or the dates the program began or ended or when the payments were due.I reuested the program because i was without income for 45 days. Now i have been slammed by Hurrican Irma again by Chase Bank. I told Chase i would make payments and bring my account current but they still would not reopen my account. Chase is more interested in destroying my credit than helping to resolve the matter.. I request numerous times to have a call back from management to help resolve the situation but never received a call back from anyone in Chase authorized to correct the situation. 
ironically i have two credit cards with Chase i called Chase on the other credit card and was allowed to make payments and my account was reopened. Why the double standard. 
Chase should of sent me notice of when the program began and when it ended and when my payment was due. i never received any written communication and i was advised by chase when i enterred program that i would receive confirmation. i thought and believed that my payment was deferred until XX/XX/XXXX as i requested.
Consumer complaint received 2021-11-09
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)

Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer report.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

After reviewing my credit, I noticed a collection item listed on XXXX. This item was listed by I.Q. International ; 2 amounts were listed the original debt {$190.00} and another amount {$290.00}. I called I.Q. international XX/XX/18 to inquire on what the item was the Customer service agent said I owed {$310.00}, I then asked why the difference she said interest accrues daily and if I didn't pay {$310.00} the amount would be more. She also stated that I signed a contract with XXXX the rental bond company, and the documents I signed states that fees would be incurred if debt wasn't paid. I refused to pay the amount and ended the call. 
I then called XXXX inquiring on the debt, which they claimed was unpaid utilities. This does not make sense since the property rented was in XXXX XXXX FL and utilities were in my name, or billed through the monthly payment. According to the original creditor XXXX this item was for utilities after I moved out of the property. 
XXXX customer service did let me know that I did not sign any documents which claimed fees over and beyond my debt would be collected. 
My complaint is that I.Q. Data international is billing additional fees over and beyond a debt I owe. Agents are making false statements in regards to documents I signed. Agent also stated FL law states that the company can collect fees in addition to what I owe. 
I.Q. Data international XXXX
Consumer complaint received 2021-06-07
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. (WA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
There is an account with the wrong amount being reported I see an account that does not belong to me.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (MO)

NCB Management Service is reporting incorrectly to XXXX  ; XXXX and XXXX  a collection in the amount of {$2500.00} on the NCB MANAGEMENT SERVICE account number XXXX. The original creditor is XXXX  XXXX  XXXX   XXXX, XXXX. This account was fraudulently opened by my ex-husband on XX/XX/XXXX. I never authorized or agreed to open this account. Because this account was opened in my name, I began receiving statements from XXXX. I immediately contacted XXXX  to let them know that this account was not mine, however in the meantime until this issue was resolved I had no choice but to make the monthly payments on this account. The amount of the loan was {$2200.00}. This loan has since been paid in full. ( Please see attached Transaction History. ) I continued to have issues with XXXX  not properly applying my payments and consequently interest kept accruing even though the account was paid off. I did not know that XXXX  sold and transferred this account. NCB Management Service is a third party debt collector. There are several issues with how this account is currently being reported. First, NCB is reporting ( 90 ) days past due with a starting date of XX/XX/XXXX. A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, this could result in a legal case against the third party collection agency. Second, there is no date being reported for last active which is a violation of the Fair Credit Reporting Act. This account should be reporting a {$0.00} balance and {$0.00} past due. I have made numerous attempts to resolve this issue directly with XXXX  XXXX  however, I was not successful and consequently this account now is with NCB Management Service. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus ; XXXX XXXX XXXX XXXX XXXX and NCB Management Service to resolve this however, I have not been successful.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Consumer complaint received 2023-01-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NC)

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (NC)

On XX/XX/XXXX I installed XXXX service from a third party. On XX/XX/XXXX I called to cancel service with this company. I was well within the terms and conditions of the contract. I canceled services before due to they were unable to provide me with invoice billing they stated it had to be automatic billing. I spoke to several rep including two supervisors from  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was even given a credit due to the invoice of what I was experiencing from this company. I was harassed on multiple occasions stating I owed all this money when the services was canceled within the terms. I even called the corporate office on XX/XX/XXXX and they were going to get rid due to this was canceled within the timeframe per the contract. This company never notified me that this is an attempt to collect a debt and I didn't even have the chance to dispute. This has caused me a tremendous amount of hurt due to my credit score has dropped due to their false statements as if I was not paying this account which was canceled. Again I was not notified at any time and given the time to dispute before this hit my credit report
Consumer complaint received 2023-04-06
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. (CA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was scammed by someone for a house rental. Payment was made through my XXXX XXXX account through Zelle. These people must be stopped. I have all the information needed to stop them and get back my mom money. Its a lot to type. Im best reached at XXXX.
Consumer complaint received 2021-06-07
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. (OH)

Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Experian : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I have tried to dispute these unauthorized inquiries, however, Equifax is saying that they are a part of my credit report, I never authorized not one of these inquries. 

XXXX XXXX XXXX XXXX XXXXReporting Twice XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -Reporting Twice
Consumer complaint received 2018-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Ditech Financial claims unpaid payments in a statement recieved XX/XX/XXXX states payment due for : Regular monthly payments is XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX says fully paid claimed an amount due of XXXX Then Jumping to a statement on XX/XX/XXXX payments claim due for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX fully paid Total amount due XXXX The payments processing coordination has caused the amount due to grow by claiming some payments were sent to the wrong Di Tech location and missed completely. 
I am a XXXX  widow of a XXXX XXXX XXXX police officer that XXXX  in the line of duty with a pension my income is fixed and stable I can't believe i can lose my husbands home if this continues like this
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I am a representative for my daughter accounts, both accounts are negative one is negative XXXX $ and the other is negativeXXXX $ .I never ever was able to use overdraft on her accounts.So we shouldn't be charged nsf fees the bank froze both accounts on the XXXX of XXXX because they said the debit cards were not in the system on her accounts But XXXX first citizen ordered the cards as a result of the freeze her social security didn't come the XXXX XXXX of XXXX therefore I couldn't pay cashadvance on the due date which is the XXXX to be able to advance to get more money to pay my bills and pay my car repairs.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Consumer complaint received 2018-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.