davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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 sent a letter on last XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX
Consumer complaint received 2021-09-22
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. (OH)

I was checking my credit reports in early XX/XX/2021 and noted my TransUnion credit score is much lower than XXXX and XXXX. After further research I found an account with XXXX XXXX XXXX XXXX that only appears on my TransUnion credit report. The report shows a delinquent account in the amount of {$350.00} that was supposedly initiated in XX/XX/2021. I know I do not have any accounts through this company, nor do I have any accounts that are not in good standing. After conducting a XXXX search of this company I noted hundreds of people have this same issue with XXXX XXXX XXXX XXXX reporting fraudulent accounts to TransUnion ( XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ). I initiated a dispute with TransUnion and received results from TransUnion today ( XX/XX/2021 ) stating the account is valid. This is simply untrue and is causing me to have to pay higher interest rates on accounts that I have. I need to have this removed from my credit report as I am seeking to make other purchases that will require my credit to be run.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

As of today, XX/XX/XXXX, two mortgage servicer companies ( Shellpoint LLXXXX, XXXX New Penn Financial, XXXX NewRez Mortgage LLC ) and ( XXXX XXXX, under XXXX XXXX XXXX XXXX XXXX have been falsely claiming that our mortgage is several thousand dollars past due. In early XXXX, Shellpoint reached out to us and fraudulently claimed that the mortgage was several XXXX dollars in deficit, indicative of several missed monthly payments. No such debt was accrued, and this information is inaccurate at best, fraudulent at worst. In addition, Shellpoint continuously denied checks for payment, sending them back AFTER cashing them and not applying the amount on the check to the mortgage- we suspect this was done deliberately in order to set us up for foreclosure. 

Multiple times, we have demanded Shellpoint and XXXX XXXX correct these mistakes in keeping with federal mortgage laws, and multiple times, both companies have failed/refused to correct the information. As of today, XX/XX/XXXX, two notes of proof in the form of certified mail receipt are available to prove this. Any attempt to communicate by phone or email has ended in the phone call being terminated or email chain going dead. 

This is nothing less than an illegal takeover of our home. We have attorney representation. A prior attorney, in his own words, to the best of my memory, stated that it was the most ridiculous case of mismanagement or negligence in mortgage servicing he had ever seen.
Consumer complaint received 2022-06-28
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: BETHPAGE FEDERAL CREDIT UNION (NY)

I was researching my credit profile and i notice there was an error on my credit report. I do not recognize the below hard inquiry and have no association, credit, loans or accounts with the below creditor. 

Bethpage Fed Cr Union XX/XX/2021
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was applying for what I thought was loan but instead seems to be scammed. Loan company XXXX XXXX XXXX XXXX  XXXX said I needed to go to XXXX and purchase gift cards to Show the FTC that I was working with them to help my credit. They got access to my bank account and then proceeded to make claims under my account. Chase bank will not pull the calls but tell me it was made through the phone. I have had the same bank for XXXX years and the same phone number so where the claims where made was not through me. My account is negative due to this and chase is unable to do anything because they gave a reversal credit and then took it away when no claim should have even been filed.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

My father had a personal checking account at Fifth Third Bank in Michigan and had passed away on XXXX. I have filed the proper probate paperwork ( Order of Assignment ) in Michigan and have certified copies of both the death certificate and order of assignment. I have contacted Fifth Third Bank at the branch I was instructed to based on where he had opened his account which is XXXX XXXX XXXX XXXX I have gotten the run around from them since XXXX and was even told I could reach out to " any branch '' to get this done and have essentially been ignored. I live in the state of Colorado and Fifth Third Bank is not in our state ( or even close ) so I am trying to get this taken care of from a distance. I even went up the chain to Corporate and the " Probate " contact and seem to be getting nowhere. There has to be a way to facilitate this long distance, but no one seems willing to figure it out. I have sent in copies of the documentation to XXXX branches to get the ball rolling, to no avail. What are the next steps I can do? They essentially have been holding the funds that I am lawfully entitled to and those funds are needed.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Management Outsourcing, Inc. (PA)

XXXX called, I did not answer. They left a voicemail identifying themselves as Nationwide Recovery Service, a debt collection company, attempting to collect a debt. not a sales or telemarketing call. Please contact us regarding an important business matter at XXXX. I called back, to speak with a representative, whom asked me for an account number. I explained it was a voicemail, and I was concerned this was a scam attempt. She could not find my account with the cell phone number they left a voicemail on, and asked me if there would be any other phone numbers affiliated with this account. I said no, and reiterated that they just left a voicemail on my phone two minutes ago. She put me on a brief hold ( 3-5 minutes ) ; then returned to the line, asking if I was Jane Doe ( not using my real name in this report ). Unfortunately I said yes, even though I had identified myself upon the initial call. She then asked me if my date of birth was XX-XX-XXXX. I stopped, and said I was not giving any more information. I asked what this was in regards to, and the woman said an important business matter. I told her I never received a letter, and I was not going to release any information until I knew what the call was in regards to. She then began speaking very loudly, talking over me, stating I needed to verify the information she was giving me- she was not asking me for any information, just asking me to verify the information she was providing. I hung up. Both women were US, southern accent speaking- the voicemail, and the rude representative.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America cancelled my credit card after I had disputed several reoccurring charges that I did not make and ruined my near perfect credit. 

The first fraudulent charge dates back to XX/XX/XXXX until the first month of XXXX. An unknown and unfamiliar monthly charge kept occurring and I had tried to dispute these charges but Bank of America offered no assistance. 

I did not know I carried a balance on my card until I attempted to use it and found out that an accrual of unauthorized charges have locked my card. I did not want to pay the balance that I was told I owed because I rarely use my credit card so I first wanted to dispute the charges to see what my options were. 

I even tried to make an appointment to speak with someone at Bank of America only to be cancelled on at the last minute. 

No one ever told me my card might be cancelled or credit in jeopardy. I have been a loyal customer of Bank of America for several decades and I have worked hard to maintain the best credit score an individual can have.
Consumer complaint received 2022-06-28
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. (LA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. 
15 U.S.C. 1681 SECTION 604 A Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 
{$78.00} payment to XXXX  that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Consumer complaint received 2022-06-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA
Consumer complaint received 2021-11-18
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. (NY)

XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
Transunion, XXXX, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (LA)

XX/XX/2022 XXXX XXXX XXXX XXXXXXXX please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

As of XX/XX/2022 Comenity website has been down there are no ways to access my account, my credit card is being declined for purchases and no one is answering any questions about this at customer service. My payment is due in a few days to pay my minimum balance and I'm afraid I won't be able to make a payment and get charged late fees for this.
Consumer complaint received 2022-06-28
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 These Accounts have violated my rights. 

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, me and My wife XXXX XXXX went to see the XXXX  property located in XXXX, by XXXX XXXX XXXX, we met their agent XXXX XXXX on XX/XX/2021, we decided to apply for a House the only thing needed at that time was the pre-approval letter from a lender ( XXXX mortgage ) also we went with Homestar and got preapproved, We submitted the information, XXXX XXXX was already set with the information but insisted that we used their preferred lender, We waited for the property to reach out to us about the house and decided to apply with her preferred lender because she was stating that based on their relationship with the lender ( Homestar XXXX XXXX ) would give us preference which we already had an approval by the same office but a different branch, their prefer lender increase our rate twice We were waiting until XXXX the price and the building of the house were changed on XX/XX/XXXX they asked us to come to see the offer and sing the contract on such contract was requested the good faith deposit, now when we sat down with the XXXX XXXX XXXX, XXXX XXXX, she stated that because it was am FHA loan, if we decided to not close on the house we would not loose our XXXX money She asked me to do again the application with the Homestar and their mortgage went up to XXXX a month, I contacted XXXX XXXX about the situation and explained to her that we could not afford that rate, she said that it was fine but that we were Giving up on the Good faith deposit, she guaranteed us that the lot would be release she was making promises that we would get a house in that process their prefer lender increase the rate 3 times, decreased the amount I called the loan office to cancel the loan because of the payments, XXXX XXXX said that he would call them to notify about our decision, and to get our Good faith deposit, XXXX XXXX still pushing me to try with other lenders, or be ok with loosing the money, we could have locked the rate but we weren't sure of nothing with them now we are facing a situation of getting a unaffordable house or loose the deposit because this has been a nightmare for me and my family
Consumer complaint received 2022-06-28
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to submit a comprehensive formal complaint against Equifax, XXXX, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : Equifax, XXXX, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : Equifax, XXXX, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled. 

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : Equifax, XXXX, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed unauthorized inquires on my report or someone applied for something in my name. According to the FCRA ( Fair Credit Reporting Act ), Legally these unverified & unauthorized items must be Removed. All inquires are listed Below. 

XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2XXXX XXXX
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # 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 a account without my written instructions