davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I put in a dispute with Chase Credit Card for the charge of XXXX by XXXX  XXXX XXXX. 

I am not using this antiquated system. Primarily because your bank HAS FAILED TO ADDRESS MY INITIAL COMPLAINT THAT I WAS A VICTIM OF A CRIM, I SUBMITTED ALL INFORMATION MULTIPLE TIMES VIA YOUR FORM AS WELL AS TOO EMPLOYEE 'S. YOU HAD EMPLOYEE CONTINUE TO CALL ME FOR INFORMATION I HAD SPENT HOURS GIVING TO YOUR COMPANY AND YOU HAD EITHER IN DIRECT WRITTEN FORM VIA THIS FORM OR SHOULD HAVE BEEN NOTED BY YOUR AGENTS. 

You can not force me to use this, it is a dereliction of fiduciary duty as you have FAILED TO EVER ADDRESS MY INITIAL COMPLAIN YOU FAILED TO SERVICE ME WHEN I CLEARLY AND VALIDLY FILLED THIS OUT BEFORE. 

The fact you even sent it to me is going to trigger another round of complaints to the usual. 

I am including all the information I have already sent the party who charged me when I complained to the XXXX for Business Profile for XXXX XXXX XXXX XXXX Headquarters Multi Location Business Find locations At-a-glance Contact Information XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I placed the name under XXXX XXXX Order # XXXX TOTAL {$60.00} I ordered from steak and shake, first off they missed 2 Chili 's. They also claimed when I called them they didn't see that on my order notes, the way the items were meant to be made was completely wrong on literally everything but one burger I had made normally. You can see on the itemized receipt the XXXX doesn't have extra sauce it has barely any and was dry, the double cheese burgers didn't have pickles or onions I paid for on all 3 sandwiches, and on the website i selected no mustard but they have mustard. The franks came without mustard as requested but I bought them to get a deal on the Chili and did not get the Chili I would not have otherwise purchased them. The cotton candy milkshake is cookie dough and has whipped cream and cherry which I asked to be left off, overall I paid for delivery of these items but at least 80 % of them were wrong or groce .... The onion rings were soggy clumped together soft and oily mess, they were not what was advertised and certainly where coated in oil nasty and inedible and due to being coated in oil did not match the nutritional info on XXXX XXXX XXXX XXXX website. 

I have given you all information needed for the dispute including pictures.
Consumer complaint received 2023-03-30
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. (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

I purchased the property XXXX XXXX XXXX XXXX XXXX, MO XXXX on record, XX/XX/XXXX, with XXXX XXXX County, MO with DAS Equisition. The loan was transferred during the purchase grace period to Caliber Home Loans with no payments on record or due at the time of transfer. Caliber Home Loans has a Partial Loan Deed of trust as loss mitigation on record for the property, dated XX/XX/XXXX, and has refused to provide financial documents on the payment history of my loan during the time of their holding. Caliber Home Loans had already sold the loan according to records of the XXXX date. 

Caliber Home Loans has changed the dates on late credit reporting, the partial deed of trust and signature, and the timeline of my payment history, which Caliber Home Loans states are correct. The above-mentioned documents are all different timeline dates. If Caliber Home Loans refuses this final time to present detail financial records of the loan during the time of their holding, remove the late marks on my credit reports and refund the amount owed to me, I am prepared to follow the next step of legal action.
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Collections, Inc. (MA)

Please take my complaint seriously. This company is lying that they have reached out to me. Me and my lawyer have evidence against them that we will be using in court if they do not address the idenity theft i am facing. they have illegally used my information and have been allowing my idenity theif to continue to destroy my credit. 

CFPB this company is lying they have no reached out to me with documentation i requested, and the investigation took longer than 30 days. i cant wait longer, they are using stall tactics. please hold them accountable. This is extremley time sensitive. 

please reference ( XXXX ) cfpb complaint. if i need to call the cfpb directly over the phone or have my lawyer call please let me know because im thinking there might be a bot closing the case automatically. please help me.

IF YOU GUYS ARE ABLE TO PROVE THE DEBT IS MINE AND IS VALID, OR NOT MY IDENITY THEIF THEN WHY NOT SHOW THE CFPB?

THEY DID NOT REQUEST NO INFORMATION SO STOPPPPPPPPPP LYINGGGGGGGGGGGGG PLEASEEEEE STOPPPPPP
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (AR)

My account with XXXXXX/XX/XXXX was charged off in XX/XX/XXXX. Beginning in XX/XX/XXXX I began receiving email dunning from True Accord for the debt which had been sold to XXXX XXXX. A certified letter was sent to TrueAccord in XX/XX/XXXX disputing the debt and requesting verification of such debt. After having received the return receipt the collection attempts continued by email. On XX/XX/XXXX I sent notification about the dispute via reply email which is how their communications advised to contact them. That email is attached. Again on XX/XX/XXXX, and XX/XX/XXXX I received emails dunning for payment. Verification was never received and in accordance with the FDCPA further collection attempts can not be made until verification is complete. Ultimately TrueAccord never verified the debt and further transferred it to XX/XX/XXXX, XXXX, and XXXX in XX/XX/XXXXXXXX OK to legal action and a law suit was filed against me for the balance plus attorney fees, and court costs.
Consumer complaint received 2021-04-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I am a 100 % XXXX veteran. I am exempt from property taxes in the state of florida. I supplied that information to the servicing company. The XXXX XXXX XXXX XXXX XXXX XXXX supplied that information. The mortgage company will not stop collecting taxes and in fact have increased my payments for escrow starting in XXXX of 2021. After repeated attempts to get this fixed with them, they refuse to correct their error. They keep telling me that they are going to fix it but they never do. They are essentially stealing money from me and holding onto it.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (IL)

Around XX/XX/2019 I got a notice to e-sign docs for an approved loan I did not request. I called Moneylion to see why I was getting this. They had all my personal information. I told them that wasn't me and not to send any money to that account since someone had my info. I told them to document my call to ensure it shows fraud in case they tried to do it again. I was assure they would close the account with my name. I filed a police report and changed my password and bank accounts. Months later, I see this loan on my credit report! I email them but they replied back saying thats wasnt the email to use. I check my credit report today and still see this.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-04-08
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: Santander Consumer USA Holdings Inc. (MO)

These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX, XXXX XX/XX/XXXX XXXX : XXXX Advanced Resolution Services, Inc. 
XXXX XXXX XXXX XXXX, AR XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 

Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy. Please correct the account as it is inaccurate & was posted without my knowledge. 


XXXX  XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2021-04-08
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: Account Resolution Corporation (MO)

These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (WI)

I don't recall having a contractual relationship with this collection company DIVERSIFIED ADJ SVC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCM Finance LLC (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-03-30
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. (GA)

I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (VA)

( XX/XX/22 amount of {$260.00} I am writing this due to negative marks you made on my credit. i would like this collection to be remove from my credit and all three bureaus. i need proof of my signature dealing with this collection that it belongs to me
Consumer complaint received 2022-08-24
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: Exeter Finance, LLC. (TX)

In accordance with the fair credit reporting act EXETER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I made an uniformed decision that is causing damage to my livelihood on XXXX XXXX XXXX as there was no instant proof of debt offered to me when I initially engaged in this consumer credit transaction. After, reviewing the contract, I discovered that there was ambiguous, unclear and inconspicuous information that was not presented clearly and left me unaware of my alleged obligations. This lack of clarity prevented me from making an informed decision. I was pressured to make a decision without having access to complete pertinent facts, evidence of indebtedness & information on informed use of credit. They keep reporting to CRA 'S when the agreement should be null & void.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (MA)

I have a credit balance with American Express and have reviewed my cardholder agreement. It does not specify that a refund be conveyed in a particular way ( Ie : check, wire transfer ). 
I requested that I be directed to where it states that it will take ( 7 ) business days to receive my refund and they are refusing to provide the information, expedite the process or allow me to speak to another department with regard to the processing. This refund is in excess of {$3000.00}. While AMEX has written documentation concerning payment, the representative could not direct me to any language that defines how refunds or credit balance are handled. The information provided by the rep kept vacillating stating that it was " processed '' " check with my bank '' to they can not " expedite the process '' to " any other rep of AMEX will tell me the same thing ''.
Consumer complaint received 2022-07-19
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means XXXX did not give them authorization to report this on my behalf. FCRA XXXX3 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.