davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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: CCS Financial Services, Inc. (GA)

XX/XX/XXXX XXXX credit investigation report that was mailed to me shows two fraudelent duplicate items removed.

But my online report on XX/XX/XXXX shows only one of the two duplicate items removed and one remains
Consumer complaint received 2022-04-25
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.
Consumer complaint received 2021-02-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (GA)

I wrote Fedloan to request that they remove late payments from my credit report on XX/XX/2019 due to inaccurate payment history and that was reported inaccurate. The company responded to me on XX/XX/2019 which is past 30 days stating my credit adjustment was denied. I also sent a goodwill letter to this company on XX/XX/2019, but they didn't seem to care about their customer report and I was denied again. They didn't work with me or try to get things right, nor did they want to fix their error.
Consumer complaint received 2022-07-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Consumer complaint received 2022-04-14
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

I filed a complaint with you about Shellpoint Mortgage Servicing Company. This complaint was because Shellpoint refuses to remove the PMI since I have met the legal qualifications - loan 's outstanding balance is 80 % of the original loan. I received a letter by email from you -CFPB- dated XX/XX/XXXX stating my credit record had been corrected and they would look into removing the PMI. 

However, I received my statement dated XX/XX/XXXX stating I have an overdue balance of {$150.00} on my account. There is no explanation of this charge except overdue payment. I received a telephone call on Thursday, XX/XX/XXXX from a realtor in Georgia wanting to schedule an appraisal on my property. I agreed to it and would schedule later. In the meantime, Shellpoint has returned my original check in the amount of {$150.00} to me in XXXX. ( I paid this fee on XX/XX/XXXX. ) I called Shellpoint Mortgage Servicing on XX/XX/XXXX and requested an explanation of the overdue charge. The agent said, after searching for ten minutes, it was for a BPO. I asked why would they have placed an overdue amount on my account when they returned this money to me without a request from me.. I requested a supervisor and he became very rude. He asked if I wanted to apply the money from the check ( which I did not cash ). He supposedly applied this amount to correct this error. I feel this " so called '' error was done intentionally to cause additional problems for me. This form of retaliation should be illegal but they continue to retaliate instead of solving the problem. 

Please can you find an agency that will make Shellpoint Mortgage refrain from this retaliation and fraudulent claims and remove the PMI which is the legal remedy.
Consumer complaint received 2022-08-23
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (TX)

My wife and I submitted an application for a mortgage refinancing on XX/XX/2021, with Amegy Bank of Texas. They initiated the process and said due to the high volume of applications closing might happen up to early XXXX. 
As part of the process I provided all the requested documentation and the bank performed a hard pull of our credit reports. The appraisal of our home, paid for us, and performed by an appraiser vetted and selected by Amegy was delayed and not finally released until XX/XX/2021. The bank then requested a second hard-pull of our credit reports, because the ones performed during the application " expired ''. 
I communicated to the banks loan officer and explained that I have provided all information in due time and the delays have been due to the banks processing times and its selected supplier in the case of the appraisal.

Amegys answer was that this was a " fair lending '' practice and it was an underwriters requirement. In response I proposed Amegy to perform a soft-pull of the credit reports to verify nothing has changed, since my wife and I can already see the effect of the initial hard-pull in our credit ratings. Furthermore, the delay has been due to the bank 's issues with their processing times and management of suppliers. 
At this time, Amegys program manager contacted me and said that the loan can not proceed without a second hard-pull of the credit reports, which was in accordance to the regulation. However, upon further discussion, the regulation said 120 days and it was Amegys own requirements. However, the manager said that was the last thing missing to approve the loan. After my wife and I accepted and had a second credit hard pull two weeks ago, they keep asking for more documentation that doesnt make sense and just keep delaying the process. As an example, they requested a payoff quote issued by my current bank and after that was provided, then they request the latest loan statement ( dated before the payoff quote, and despite they having the prior three statements ).

I have asked to provide the status and a definite closing date, but Amegy does not respond to calls or emails, so I am contacting the bureau to investigate the issue. At best it could be Amegy 's inefficiency being passed ot its customers, but it could also be a case of discrimination for us being XXXX or because the property location.
Consumer complaint received 2022-04-14
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: Upgrade, Inc. (AZ)

My wallet and phone was stolen they took out a loan in my name also deposit a fraudulent a check in the account which closed and spent money on my upgrade card this all happened around XXXX XXXX XX/XX/2021 / upgrade card XXXX XXXX loan
Consumer complaint received 2022-04-25
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. (TN)

Name of company reporting information that do not belong to me and have inaccurate information... FCRA say the creditor must submit the same information to all credit Bureau however this information has different open date, payment status, last date of activity .. All are VIolations All information should be the same across all Credit Bureaus XXXX 

XXXX XXXX  Account number XXXX XXXX XXXX Account NUmber XXXX In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (PA)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-06-09
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)

My rights have been violated 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. 1692C
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (GA)

I received a life insurance policy settlement to my Ace Elite account via direct deposit through XXXX. Ace Elite emailed me saying they needed further verification and gave me examples of verification. I emailed a copy of I.D . and social security card plus documents of verification that I received straight from XXXX, saying it was in fact my money. Netspend called me saying everything was good. I assumed it was because I withdrew money from the ATM for a few days. Suddenly Netspend contacts me saying they closed my account for security reasons. I was a little upset, but they assured me that I would receive a check in 7-10 days for the remaining balance that was in my account, which is my only source of income at the moment. Since they said there was really nothing else I could do, I hesitantly agreed. I believe that date was XX/XX/2021. It is now, almost 3 months later, still no word or sign of a check. I have called and emailed NetSpend over 40 times. They tell me nothing of value. The last thing they said was that I need a Letter of Indemnity from the life insurance company ( XXXX ). I called XXXX and they told me it is out of there hands, so they want nothing more to do with it and that Netspend needs to handle it. Netspend then tells me that if I open a regular bank account, they would be glad to transfer it to them. I went and opened an account with XXXX XXXX XXXX. XXXX XXXX XXXX emailed Netspend to verify I opened an account. Netspend then said that they couldn't transfer it. I have documentation of all of this. I feel like my money is being held XXXX so interest can be collected on it.. When I call my Ace Elite Card, it says the money is on there. But I can't login to my account or transfer my funds. This is absurd. I'm very disappointed, upset, frustrated and broke. I've already contacted the XXXX XXXX XXXX, FDIC, Comptroller of the Currency, and most recently XXXX ( I'm waiting to here back from them ). I plan on contacting whomever I need to until this matter is resolved, but I'm running out of resources and patience. 
I don't want this situation to get out of control, when it can be be solved quietly. My next steps will be to go on every social media site of Netspend, XXXX, and whomever else wouldn't help me. I just want what is rightfully mine, my money. This money is what my son left to me when he passed. He was a member of the XXXX XXXX 
Please help me with this situation so I can put this behind me. 
Thanks,
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

In XX/XX/XXXX I applied for a loan modification with Wells Fargo Home Mortgage. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with Wells Fargo. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like Wells Fargo to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.
Consumer complaint received 2020-11-05
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 trying to rent at apartment so today XX/XX/2020 I applied at XXXX XXXX XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Consumer complaint received 2022-07-30
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. (AL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-30
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. (AL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX 2022
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

In XX/XX/2018, I opened a XXXX XXXX Preferred credit card. I paid the annual fee of {$95.00} on the first statement, in XX/XX/XXXX. I successfully used the card and there were no issues for some time. 

On XX/XX/2018, Chase shut down my credit card accounts. I called in and asked for an appeal, in which they opened an investigation. They completed the investigation on XX/XX/2018 and decided to keep the accounts closed. 

On XX/XX/2018, I called Chase to get my annual fee refunded in a pro-rated amount. I feel this is fair because the closing of my account came from a Chase decision, not my own. I only was able to use my card for 3/4 of the year, therefore I feel it's fair to pay 3/4 of the annual fee. I don't believe it's much of an annual fee if you don't get to keep the card for a year. 

I spoke with a frontline representative, and they declined my request. I asked to be transferred to a supervisor, which they did. The call, at approximately XXXX, ended with XXXX, a supervisor, saying he had no power to reverse or refund an annual fee. I replied that I felt this was unfair and asked if there was anything else in his ability to make this right, and he said he did not have authority.
Consumer complaint received 2022-08-23
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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