davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (NV)

In accordance with the Fair Credit Reporting act 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. 
The following Accounts XXXX XXXX XXXX Balance- {$1600.00}
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MT)

Since XX/XX/XXXX I have been requesting a review of our LVR to cancel our PMI requirement. To date we have received nothing but form letters with a box checked stating we have not met the required LVR. On XX/XX/XXXX we submitted another request with supporting documentation, on document from Freedom Mortgage showing their estimate of the value of our home along with a market comparison supporting that estimate from Freedom Mortgage. The response we received to our message on XX/XX/XXXX stated that additional research was required. On the same day Freedom Mortgage submitted the same form with the same box checked regarding not meeting XXXX. It is my understanding that mortgage lenders are required to automatically cancel PMI once XXXX reaches 78 %. We believe we have exceeded that 78 % and Freedom Mortgage has delayed ANY evaluation now for near 60 days. Looking for help from your agency to help us with this request to cancel PMI. In closing, we did NOT select Freedom Mortgage as our lender, Freedom Mortgage is our THIRD lender in LESS than a year to have purchased our loan!
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In XX/XX/2015, I submitted paperwork for a short sale offer on my home, this would be my XXXX time submitting an offer due to the XXXX XXXX offers being declined because the amount offered was not sufficient according to the mortgage comapny, and due to the mortgage company taking unril XX/XX/2015 to approve the short sale offer of XXXX, the buyer backed out of the deal. So on XX/XX/2015, I contacted the company and advised them to close the sale out and also advised them that my agent and I had found another buyer who agreed to the same terms, and everything on the HUD documentation and the proof of purchase and my agent sent it to the mortgage comapny on XXXX XXXX. I contacted the mortgage company on XXXX, XXXX and the old short sale offer is still not closed and now they have had my new paperwork for the new buyer since XXXX XXXX, and it has not even been looked at or reviewed. My home has been appraised XXXX times and its solely because they take so long with the process that it causes them to expire. And for the appraisal to expire it takes 90 days. Someone at the company is dropping the ball and may be costing me a chance to get out of this home and close this deal. I was advised that it only takes XXXX business days to close out an old short sale offer by an agent. So why has my XXXX short sale offer not been closed? If they had done that, then on XXXX XXXX, my appraisal would not be expiring, but now it is. I really think I am being mistreated because of my inability to pay.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : XXXX. FDCPA Section 807 Violation Misleading False Reporting AMWESTFINCOR Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (NY)

Do not know where this information is coming from I have no debts with Florida for no traffic violations. Sorry this is a scam to get money. 

XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2015-06-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TN)

This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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 immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I entered a contract to finance a XXXX XXXX XXXX through Ally financial back on XX/XX/XXXX of XXXX. The total paid after 72 months at a rate of 8.64 %. came out to {$18000.00} according to the truth in lending disclosure. This would mean the contract would be fulfilled around mid XXXX. After learning of some questionable activities that financial institutions have been participating in without the customers knowledge I decided to investigate and make sure everything was as it was supposed to be in regards to my contract. After calculating the total amount paid to Ally, including finance charges, payments, late fees, and " interest, '' by XXXX of XXXX I had already paid {$19000.00}. This was {$4900.00} in finance charges despite the TIL disclosure totaling {$4000.00}. That would mean I paid more than {$1500.00} more than I was supposed to. They could not claim it was due to late fees or extra finance charges because my last payment was XXXX of XXXX. This was 5 months before my 72 month. They are also claiming I still owe over {$4500.00} which is absolutely absurd. I want the money back that I was overcharged, I want compensation for causing my credit score to go down the drain, I want the title to my vehicle, and I think I deserve to be paid interest that was collected off the securitization of the promissory note. I can't imagine how many people just think that they are dealing with companies who are honest and have their best interest in mind while subtly stealing money from them.
Consumer complaint received 2017-05-22
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. (PA)

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.
Consumer complaint received 2016-09-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC (MI)

My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2021, I reserved and canceled a hotel room at XXXX XXXX XXXX XXXX by XXXX in XXXX XXXX XXXX with XXXX Because of the cancellation, XXXX refunded me {$100.00}. I contacted XXXX and they told me that they processed the refund on XX/XX/2021 back to my Chase checking account. 

I contacted Chase in XXXX because I never received the refund. They told me that they never got the money. I have been in contact with XXXX which sent me an email stating that they processed the money. At the same time, I contacted Chase and they keep telling me that they never received anything. 

I am in the middle of these two companies stating that XXXX sent the money and Chase stating that they never received anything.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.
Consumer complaint received 2023-04-03
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. (NJ)

My credit score on my transunion report recently went down by XXXX points. Ive called 3 times to question the reason for decrease. Each representative gave me a different reason why that I disputed as it did not make sense. One rep advised that it was because Id been paying down my debt to aggressively, another rep advised it was because one card had a utilization rate over 50 %. When I transferred the balance the utilization rate was over 75 % and Ive diligently been paying it off. This would not cause my score to decrease XXXX pts in one month. Lastly I was told it was because I paid off a collection account. All of these are just causes for my score to INCREASE! After stating my case repeatedly they agreed they couldnt understand the cause of the decrease and to call the CFPB for help. I am hoping you can please help me investigate this matter.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

EQUIFAX has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws.

I have the right to privacy, and reporting information without my written consent is in violation of 15 USC 1681B Furnishing account in direct result to my credit profile is in violation of 15 USC 1681 c-2
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I am a Chase customer and have been using their bill pay services for years. Most all large companies support electronic statements and billing directly to the Chase bill pay service, except for XXXX retail card services. Many stores use XXXX retail card services and many stores switch between competitors like XXXX, XXXX and others. The problem is that Chase and XXXX have a dispute and Chase refuses to allow for electronic statements from a XXXX credit card, such as XXXX XXXX. When a company, like XXXX XXXX, moves their business to XXXX retail card services, as a Chase customer, I lose access to electronic bills within the Chase bill pay app. Since I, and millions others, rely on electronic bill pay services, and have long ago stopped with paper statements, not having electronic statements via Chase bill pay leads to late payments and fees for XXXX. Considering that Chase supports XXXX, XXXX and other large bank card services on their bill pay service, there is no technical reason they can't support XXXX retail card services. If XXXX and Chase have reciprocal sanctions against each other 's credit card bills, I assume that this leads to millions in credit card late fees. Chase should be forced to support XXXX retail card services on their bill pay platform in the same manner that they support other credit card companies, for both electronic statements and payments. 

I have enclosed a screenshot from my Chase bill pay service that shows that XXXX XXXX, the only XXXX retail card services account on this screen shot, does not support XXXX.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (PA)

I have sent several disputes to Equifax that do not belong to me. They stated they needed certain items to complete the investigation. I sent the exact requested items via USPS Priority Mail and they received the items requested. They are now delaying AGAIN and asking for the same exact items I had already sent. HOW IS THIS LEGAL??!?!?!?! I believe they are intentionally pretending to not have the items so they can refuse to do the investigations.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX and XXXX are incorrectly reporting on my credit report. I have contacted the credit reporting agency and spoken with someone to fix this error. Remove these multiple reports immediately. In addition, I contacted XXXX directly and spoken with XXXX who says that XXXX has ceased reporting on my account since XXXX 2013 and that it should not be there.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (DC)

A would-be creditor ( " XXXX '' ) has listed XXXX collection accounts on my credit report. Both claims are from employees of XXXX, of which XXXX. Aside from the questionable general legitimacy of these claims, I do n't think my personal credit report should reflect claims relating to employees of an XXXX. 

Thank you for the assistance.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (RI)

I received a Chase XXXX XXXX XXXX credit card in the mail in which I never applied for. It is shown as a hard inquiry on my XXXX report as JPMCB card inquired on XX/XX/22. I called Chase card services and reported it fraudulent and had the account closed. I called XXXX and put a freeze and a fraud alert on my account.