davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CT)

On XX/XX/XXXX, XXXX XXXX XXXX opened a collections account in my name which I had only learned about through a credit alert and my credit score dropping significantly. I had learned it was a collections account for XXXX XXXX XXXX mobility in the amount of {$1900.00}. I contact XXXX XXXX XXXX multiple times on both email and by phone and after about two weeks they responded they had no such account on file. I contacted XXXX XXXX XXXX  by phone and they had no record of an account in my name ( I have also never been an XXXX XXXX XXXX customer previously ) I opened a fraud alert with XXXX and they contacted XXXX XXXX solutions, XXXX was able to have the fraudulent account removed from my report on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, I noticed my credit score dropped by 56 points. A new collections account was opened by Sunrise Credit Service in the amount of {$1900.00} for XXXX XXXX XXXX XXXX on XX/XX/XXXX for the same account number. I also never received any notifications, emails, or alerts for this collections account. I opened another fraud alert through XXXX  and the Fraud specialist advised i report this new incident through FTC.gov.
Consumer complaint received 2023-05-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DE)

I booked online car rental using their website ( XXXX ), upon landing at the destination, and at rental kiosk the service was not provided as there were no rental car at that time. 
I filed a dispute with credit card company the same day to issue me refund and unfortunately despite of several calls and attempts to resolve the company is refusing to adjust the transactions for refund - The charge was {$340.00} booked on XX/XX/2022 - Service was not provided at the rental kiosk XX/XX/2022 - Credit Card - Chase ( Freedom Credit Card - XXXX ) initially refunded the amount the same day, but they kept charging the amount after 3 months in-spite of them crediting multiple times and also closed and issued me a new card for the same as Fraudulent transaction. 
- Chase credit card did provide some document to rebill in the month, but later they themselves revoked it considering the document as invalid and fraudulent as the name on the document was not mine. Find the document attached ( page 10 ). 
-Today, XX/XX/2022, i see the charge posted again, when i asked them for valid proof of signature, they do not have one as the service was never provided.
Consumer complaint received 2022-07-11
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. (MN)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX, 2021 - XXXX XXXX,2021 13 payments of {$540.00}. a payment of {$270.00}, Then on XXXX XXXX,2021 for ACH of {$5400.00}. And I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX  for 1 year. I supplied police reports, medical document, FTC report of fraud. Picture Id from the hospital in which all other personal documents were stolen from me. All totaling to {$14000.00} now and I have pending eviction for non payment.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EXP/XXXX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

XX/XX/2019 I received a debt collection letter with no option of to dispute. This has gone far enough. These creditors are violating my rights. This not the forst time I have had an issue with this credit collection company. I have filed a previous complaint against them. 

Account number XXXX And how does 2 different creditors outside of the original creditor have this in their companies system. Who is exactly handling this account? This is very very alarming to me. I am absolutely bothered by this. Who is XXXX XXXX and Radius Global Solutions and why are both handling my account with personal medical information on it. This is absolutely scary and this must be handled. Other identifiable account number XXXX from Radius Global Solutions.
Consumer complaint received 2022-07-11
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)

on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from XXXX on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from my credit report.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (GA)

Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43  years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected cons right to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 repoting agency connot furnish a account with 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 information any other adverse item of information, other than seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that infomation is inaccurate
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (LA)

I have been sending letters and documents to your company about the issue I'm facing right now regarding my credit, My information has gotten to the hands of the wrong person and they used it to open my account, please investigate and remove the accounts that were the result of the identity theft incident.
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

I applied for Covid-19 relief plan to defer payments for a total of 6 months. 3 months into the plan, I got partially back to work and stretched to make payments again. 

I was told that the total on a loan modification would be ~ $ XXXX $ XXXXish that would get put at the end of the loan in a non-interest bearing note due at the last payment of the mortgage. 

I got all of the forms back, and the amount due on the loan is DOUBLE. I called to ask what's going on, and they had no information. I was not getting credit for payments that I already paid on. I also now can't see all the information in my account that I used to be able to see, including past payments and such. 

I asked for a supervisor, and was advised no one was around. I was also told there were extra fees being charged. I was NEVER told that.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I tried to open a business account from Bank of America. I was informed an account was closed in 2007 and could not provide me any details as to why. 

The representative informed me, they don't have the data and could not provide me any details on the outcome of the closure. I very concerned as to why I don't recall any closure from over 14 years ago.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

In XX/XX/2022 my account was inaccessible when I attempted to use my debit card. In looking at my mobile app it said my account was suspended. I never received a letter, an email or a phone call stating why this occurred. I called in and was told my account was under investigation for a check I deposited on a closed account. This was a check for a class action suit .. how was I to know it was closed. It was a check for less than XXXX. This consideration to close my account went on for XXXX MONTHS!! During that time I had no access to my funds, my direct deposits and could not pay my rent or bills. I CALLED HSBC OVER XXXX times and never once received anything in writing or my funds until I filed with the FDIC. I LOST EVERYTHING IN THOSE XXXX mos!!
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.
JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MO)

I have a XXXXXXXX XXXX  account where my SS and my retirement benefits are direct deposit. I XXXX to XXXX XXXX and live there. Usually 2-3 times a month I write a check for {$1000.00} from XXXX to deposit in my XXXX XXXX account XXXX If over {$1000.00} they charge a fee. For 6 years I have been doing this. XXXX XXXX freezes the deposits for 30 days to make sure they clear ( even though it clears in 3-4 days. ) The intermediary bank is BNYMELLON. I checked my account and the deposit was returned witha fee of {$20.00}! However it cleared XXXX XXXX! BNYMELLON sent the check back to XXXX XXXX saying there was an error in processing ( which they can not find the error ). BNYMELLON KEPTthe money and will not return it to XXXX. XXXX Bank traced it to BNYMELLON and requested from XXXX XXXX to return the funds. He refuses to acknowledge. 6 weeks this has been going on with no help from BNYMELLON. Im a XXXX XXXX and I live on that money and I can not make another deposit until the {$1000.00} is returned from BNYMELLON for fear it will happen again. The check # XXXX can not go thru again as it would be a duplicate. This is what XXXX told XXXX XXXX to do. XXXX said it wont work. The money BNYMELLON is holding needs to be returned to XXXX in my account. No one has ever heard of this before and I am in tears. Im XXXX and not in good health and this huge bank has my money and will not help. XXXXXXXX XXXX has tried everything. 
Please help me!
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to trans union XXXX XXXX. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!
Consumer complaint received 2022-07-11
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. (NJ)

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. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, and XXXX 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 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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USD 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, 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 sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 u.s.c 1681 s-2 ( a ) ( 1 ) 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 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NJ)

Im closing on a house. Sequium debt showed on credit report a day before closing. Sequium is trying to collect a debt for XXXX XXXX XXXX phone service that were fraudulent. Someone stole my identity and opened an account with different address, using my name. I Disputed debt with Sequium collection Agency and XXXX XXXX XXXX. Sequium asked me to send request through email for dispute since I never received notification of this debt ( fraudulent address used ). They have not responded, its been over a week. Mortgage company demanding debt to be paid before closing. So now my closing has been delayed 1 week and rate lock about to expire. Will cost me thousands of dollars to extend rate. Thankfully XXXX XXXX XXXX has recalled the debt from collection agency, realizing fraud. Sequium collection agency also admits verbally they can no longer locate the account, shows debt was recalled. The debt Still shows on credit report and Sequium says it can take up to 30 - 90 days to be removed from credit report but REFUSES to help me with some sort of letter simply stating any of these facts so that I may close on my home. Still no response through email either after repeated requests for any validation or invalidation of debt.