davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error.This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have my permission to furnish a consumer report.
Consumer complaint received 2022-03-31
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: Supreme Lending (TX)

On XX/XX/2022 XXXX  XXXX/XXXX  XXXX made an unauthorized credit inquiry. I reached out to the mortgage lender and nobody is taking responsibility. 

I am in the process of getting a home mortgage with another lender and this is affecting my credit score as well as underwriting with my lender to close my mortgage.
Consumer complaint received 2021-10-20
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: Westlake Services, LLC (FL)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2023-05-17
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-31
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)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma ()

I have written to your company before with my thoughts. Your company isn't any kind of legitimatecredit keeping agency. You do not represent anything that even closely represents a fair and an accurate picture of one 's financial health. What you are is a Credit Card Sales Company. Credit Karma is a CONSPIRACY, not a company, to XXXX people into buying one of their suggested credit cards, too numerous in this dispatch to mention. The algorithms used to calculatea client 's supposed rating are basedon nothing but how often he/she takes advantage of one of their offers and how deeply one gets themself in debt with said card so that the credit card companies get the wind-fall profits on the criminal interest they charge whichCredit Karma get a hefty slice. There is no effort on Credit Karma'spart to paint an accurate picture of a card holders true financial health, only how many cards they buy and how deeply they get into debt with them. 
In addition you carry information that is thirty years out of date and since there is no provision to update on your site the problem goes unchecked.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

My credit card with Discover was closed on XX/XX/22 with no warning. I noticed on XX/XX/22 when a credit report indicated my score dropped due to a closed account. I verified it was the Discover account via their website on XX/XX/22 and called their support phone number. They did not provide me further information and could not reopen my account or explain why they closed my account. They noted they might be able to reopen the account if it was less than 30 days. Which is hard to realize with 0 notice.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

Good day, today on XXXX, I was told about hacking of my credit card information in which I called citi bank and was given the runaround, I pay my bill on time never late, someone has access to my online account with citi bank, I have never given no one any information.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I applied for a small mortgage with Wells Fargo at the end of XX/XX/XXXX. I had 2 other mortgages with Wells Fargo stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting processing with Wells Fargo I feel I was subjected to unnecessary and unreasonable request to deter my purchase of the new home. 
I would like the Consumer Financial Protection Bureau to investigate XXXX XXXX actions into the underwriting process. I had several issues for example. 
1. I was requested to provide title documents for a house I purchased in XXXX to which Wells Fargo is the lienholder. How is this relevant to the current property purchase? They should have already had a copy since they held the lien on the house. 
2. I was requested to provide a copy of the property tax payments for two properties that were owned under my XXXX XXXX. The payments were provided, however Wells Fargo didnt not recognize the late payment fees and requested that I provide the exact billing invoices for the amounts paid. The invoices would not have been exact if late payments were applied to the payment. The state does not send out updated monthly payments due on real estate property taxes. 
3. Wells Fargo requested that I liquidate funds from my XXXX then asked for an explanation as to why I liquated the funds. 
4. At the time I applied for a mortgage I was on XXXX XXXX XXXX from my job. Wells Fargo requested that I provide a letter from my job stating when I would return to work. How would my company provide such a letter since they are not doctors. 
These are just a few of the items Ive had to deal with while trying to obtain an approval from Wells Fargo. I felt like I was being discriminated against. If you review my Wells Fargo document requirements and all the letters of explanation and exceptions to obtain approval you may understand my point of view.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX XXXX {$9500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5500.00} XX/XX/XXXX - Acct # XXXX Amt {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Consumer complaint received 2023-06-16
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 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 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 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 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: OneMain Finance Corporation (AZ)

On XX/XX/2022 I noticed that I was overcharged interest by One main financial through their brightway Plus credit card when I reached out to speak to management in regards to the overcharge I was given the excuse of the interest charge was based off of {$460.00} which was not even my ending balance for the month of XXXX they repeatedly told me that it wasn't for the month of XXXX I was being charged interest it was for the month of XXXX when I explained to them they had already charged me interest in XXXX and if their interest charges are based off of the prior month then I shouldn't have seen any interest at all for my first statement but I did. When I spoke to a supervisor she too gave me the same excuse and the same poor answer when I explained that my ending balance for XXXX was {$68.00} and some change and my interest charge is meant to be based off of that she kept repeating that the interest was charged based on XXXX but my statement says it was based off of XXXX when I asked to speak to a manager in regards to the situation because the charges don't add up and they don't make sense and legally as far as what they're supposed to be charging for interest and how they're supposed to charge interest they certainly aren't following those rules if they're charging me based on my last month as opposed to my last month which is on the current statement there is an issue because that's not what I signed up for I was under the impression that if I paid off my balance before the end of the month which I did that I wouldn't see interest if XXXX 's ending statement showed {$68.00} then I should have been charged interest based on {$68.00} and when I let them know I was filing complaints with the better Business bureau as well as consumer finance they begin to ignore me and refused to assist me they have refused to respond to the better Business bureau and they refused to call me and refuse to address the situation this is a very unprofessional very greedy company because if they're ripping people off on a large scale they're raking in millions off of fraudulent finance charges
Consumer complaint received 2023-11-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Waypoint and XXXX you represent. I did not open or authorize this account with this company or any other company they represent, and I would like to ask that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. Also, Waypoint never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, any reporting of a debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

To Whom it may concern, With SPS as our loan servicer we had kept up with our house payments until XXXX of XXXX. At that time due to company layoffs and loss of income just prior to that we were unable to keep up with our house payments. While we tried to work through this with SPS, after 3 months they refused to take any house payments. We had made several attempts with SPS to get a Loan Modification with no success. SPS continued to refuse to work with us at any level or take any house payments through the years when while trying to get new jobs and to get back on our feet. 
Our home has been in and out of foreclosure multiple times over the next few years while SPS has continued not to want to work with us. 
In XX/XX/XXXX SPS offered a retention option of a 12 month repayment plan with a balloon payment due at the end of the 12 months. We accepted this offer and made all scheduled monthly payments due on time but were unable to make the balloon payment. These payments were nearly double the amount of our regular house payment. 
We reached out to SPS to try to renegotiate a new or continued repayment plan, but we were denied. Beginning XX/XX/XXXX a Covid19 Forbearance was put into place. This Forbearance along with XXXX XXXX continued through XX/XX/XXXX. 
Covid19 had and is still having a profound effect on our financial situation. Our home based business was forced to close and we lost extra income we had created by renting an extra room. 
Documents that SPS have provided per our request contain many errors and incorrect information, such as incorrect amount of our monthly income. The document shows us having XXXX dollars of monthly income. The deed of trust has XXXX listed as the lender. XXXX is not the current lender but there is no filing of deed of trust by the foreclosing lender. The principal amount due is incorrect. We last submitted for help on XX/XX/XXXX and where denied on XXXX-SPS never even gave us a fair review submitted a XXXX Denied the following XXXX-NO REVIEW!!
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a XXXXond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. 
By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid