davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights 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 1

5 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 rep orting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

I purchased my house on XXXX XX/XX/XXXX. My VA mortgage payments were {$660.00} per month on a 30 year fixed mortgage. In XXXX my mortgage was sold by the original lender to a new firm called Mr. Cooper. Mr. Cooper raised my mortgage payments to {$920.00} per month and informed me that rate would remain for one year due to no taxes being paid in XXXX in the year I purchased the house. That was news to me since that should have been handled by the mortgage companies involved. Needless to say, with little warning a jump of {$260.00} per month coupled with inflation and a reduction in my income at the same time caused me to drastically alter everything in my life to make ends meet. In XXXX of this year, Mr. Cooper adjusted my mortgage payment to {$790.00} per month. Meanwhile, I turned XXXX in XX/XX/XXXX and filed for an over XXXX tax exemption for the county I live in in Alabama. Those reduced taxes took effect in XX/XX/XXXX. My taxes went from {$1400.00} per year to {$600.00}. I submitted this document to Mr. Cooper on XXXX XX/XX/XXXX so that Mr. Cooper would adjust my mortgage payments correctly. I was surprised then to see my mortgage payment still to be so much higher than when it originally started. After several Email and telephone calls, Mr. Cooper stated they pulled the tax information from the Alabama tax website. My local tax office informed me this website was not up to date and I informed Mr. Cooper they were using wrong information and the tax paper I sent them from my local tax office in XXXX county was correct. The tax official even told me to give them her number so that Mr. Cooper could call her. My mortgage should be dropping and not going up.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (GA)

In XXXX, I Invoked my rights under the cares act multiple times with United Community Bank representatives, extending the forbearance program. In XXXXXXXX XXXX XXXXXXXX, when i was guided by a representative to make a payment while I awaited my next verbally agree extension, I was defrauded and Illegal & fraudulent actions were taken by United Community Bank representatives. I am DEMANDING that all phone calls from the point in time of XX/XX/XXXX when I initiated the forbearance program under the cares act through the time period of XX/XX/XXXX be formally turned over to me either by transcript or by digital form. These phone calls DO EXIST and it is my desire to prove to United Community Bank of their fraudulent & illegal attempts to damage me & my credit with malice, by reviewing these transcripts & conversations. They continue to lie & manipulate, even when facts have been clear that they have made critical mistakes in executing my rights and use of programs under the cares act. They have also been issued a bill that is past due as a result of their malice behaviors. I am DEMANDING this information be turned over to me within the next 30 days. 

Additionally, United Community has purposefully made it difficult for me to make payments by not showing clear data on their website or giving me access to making regular payments other than using a bill payment method online as a backchannel payment method that does not clearly represent the actual payment required. They have continued to lie and present to all 3 credit bureaus false payment data that has ruined my credit and my ability to obtain additional credit. This purposeful misrepresentation and pervasive attacks are being done deliberately to force me to pay amounts that have no basis and are not valid. They have added late fee 's illegally and are inaccurately driving up my payment as well as inaccurately running a false/incorrect escrow analysis report that has additionally increased the monthly payment falsely. This bank is CLEARLY doing deliberate illegal activities and as reported in the news of their financial struggles as a company, should be INVESTIGATED FULLY by the Federal Government.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Earlier this month I got a letter in the mail saying Chase was closing my checking account on XX/XX/XXXX due to suspicious activity of funds. I have never been involved in any fraud or suspicious activities assumed upon me. I am a XXXX XXXX XXXX XXXX  who goes to school, work and home. Ive very upset about this circumstance because I love using Chase and have ever since I was old enough to open a bank account. I called the customer support number, XX/XX/XXXX to see if there was anything I could do. The representative told me I could never open an account with chase again and there was nothing I could do. I dont think this is right and this is why Im filing a complaint. Please help me in not getting my account closed, I havent done anything wrong.
Consumer complaint received 2023-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank, ( XXXX. address, I believe ), XXXX XXXX XXXX, XXXX, MA XXXX ( " Citizens '' ), has failed to record Discharges for two old, long-closed Home Equity Lines of Credit in my wife 's and my names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). The lines were for {$100000.00} ( XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ), and for {$300000.00} ( XXXX XXXX, PG XXXX, XXXX XXXX XXXX XXXX XXXX ). Both HELOCs have been paid off and closed for well more than a decade. 

Citizens ' neglect to record Discharges for both HELOCs, turned up in a Title search conducted as part of our application for a loan with XXXX XXXX XXXX- I confirmed the problem with my own view of the XXXX XXXX XXXXXXXX XXXX XXXX 

My efforts to resolve the problem with Citizens XXXX Home Equity Department met only with being transferred to other phone numbers, and disconnected ( multiple times ). 

Our loan application is being held up because of Citizens past and ongoing failure to fulfill its legal obligation to Discharge the two paid and closed HELOCs.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC (FL)

I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. XXXX XXXX put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.
Consumer complaint received 2023-03-27
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. (TX)

These are additional details to a report already sibmitted. A week before a hard inquiry was made on my report I spoke with a member from transunion customer service to ask them not to share my info with 3rd parties because it ends up on public record sites. This employee was from XXXX, and responded that as a solution to this, he would place a fraud alert on my transunion credit report and notify the other credit bureaus. This call happened on XX/XX/XXXX around XXXX XXXX. The transunion employee asked for my full name, date of birth, and social security number to add the alert to my account, which I provided. I did verify the phone number I called was a legitimate transunion business number of ( XXXX ) XXXX. On XX/XX/XXXX I received an alert of a hard inquiry on my credit report. The company that made the inquiry responded to CFPB that they received an application for a credit card named XXXX XXXX by XXXX XXXX. I contacted XXXX XXXX account protection team who confirmed that an application was indeed submitted with my full name and social security number with an out of state address different than my own. In all my XXXX  years of living on this earth nothing like this has ever happened. I do not apply for credit cards or loans as I have no use for them and have never had XXXX. The last person who had access to my personal info including social security number was the customer service representative from transunion. I strongly believe this employee may be using customers information fraudulently since he has acess to it through the company. I had not done business with anyone else in about XXXX  years regarding my social security number. This is the XXXX  time something like this has ever happened to and I don't willingly give personally identifiable sensitive information to just anyone.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (GA)

I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!
Consumer complaint received 2023-03-27
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. (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. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 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 2022-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

There was one large transaction on XX/XX/2021 at XXXX XXXX totalling XXXX AUD. 
I wrote two dispute letters to Coinbase Company, and both were denied without a clear explanation. 

Their response is, well, not very good, in that it is based on just blatantly incorrect understanding of what I have to say. What amazes me is just how difficult it has been to find soundness in it. Their analysis, for instance, doesn't engage with the actual history of my account and a significant portion of related data that may contradict their position has been conveniently ignored. 

I have great respect for rational and honest discussion but no respect for misrepresentation. I detest the lies and distortions associated with their administration. They have failed to exercise due diligence and duty of care to substantiate their claims. 

This complex issue has caused substantial harm to me, and if not appropriately addressed, will continue to cause substantial harm to others, we must therefore conduct an in-depth and comprehensive review of all the contributing factors that have led to an outcome as horrendous as the one described herein.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the FAIR CREDIT REPORTING ACT..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an 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 reason
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

This creditor has been on my credit report for years. I have previously asked for validation of the medical debt and they have failed time and time again. The most recent request was on XX/XX/2023. Also, they have placed a new medical debt of {$150.00} on my credit and under current laws that is illegal. I have even tried to to simply pay {$400.00} to get rid of this debt so i can proceed with buying a house and they wont allow me to. Now, XXXX was this validated within a timely manner so i can buy a house.
Consumer complaint received 2020-06-22
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. (TN)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Citi keeps charging late fees and refused to send bills explaining their charges. Their customer service reps claim to waive fees and send bills, but do not. 

Very unfair to charge fees but not send a bill, and then keep charging late fees. Advise other consumer to avoid all Citi bank credit cards.
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I have applied for compensation from Wells Fargo for wrongful foreclosure and complained to this office at the time of dusk tracking? Failure to notice, fraud in dealings and other violations of your regulations which are covered under the recent order, I have spoken with five different people who all day disparate things, I spoke with XXXX XXXX who claimed to be a 20 year veteran of WF and an executive in resolutions. He promised to send me my mortgage file and now stated it was " illegal '' I have audio recordings of these conversations, XXXX was rude, dismissive and unhelpful. I am entitled to compensation under this body 's own regulations and laws. 

I want assistance and this body to enforce ( this is what the order states ) my right to vompensation immediately. 

I want my file unredacted as well as an apology and full restitution, This is unconscionable and it is the duty of this body to enforce its own laws and the courts orders.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (TN)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX
Consumer complaint received 2020-06-22
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

My name is showing up incorrectly as XXXX XXXX for some reason. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

After sending several requests for validation for this debt in writing beginning in XX/XX/XXXX, the company then deleted the item. However, months later, they would illegally re-insert the item to credit report again. This has happened at least four different times. The most recent being XX/XX/XXXX sending a debt validation letter only to have them once again illegally add and report he information to credit reporting agencies again in XX/XX/XXXX.