davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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. As a result, this account should be deleted.

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.

15 U.S.C 1681i ( 5 ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2020-07-15
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: Home Loan Center, Inc. (CA)

I requested LendingTree to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
Consumer complaint received 2023-06-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NY)

I was called by IQData for the first time today XX/XX/XXXX at XXXX. 
The representative identified himself, told me I was on a recorded line and said it was about trying to collect a debt. 
He said what the debt was about and the amount which is over XXXX XXXX dollars. He asked me if it was something I was going to resolve today. 
I politely told him that it wasn't something I could resolve today but to call me at another time. 
He snapped and raised his voice and started to very aggressively demand I pay now because it was my debt. I told him it wasnt as I didnt live in that rental community during the time owed but that i was looking to resolve it ( my name was on the lease and I communicated to rental community that I no longer lived there. I never got an email with a bill, a mailed bill or phone calls ). 
He yells at me and tells me that the dent is mine because XXXX ( the other person on the lease ) declared bankruptcy and that it was mine ( fully yelling at me ). 
I told him I had no intention of discussing my personal business with him and that he couldnt intend that a debt that was 3 yrs old and them calling me for the first time was going to get resolved today. 
He yells at me even louder and accuses me of running away from my debt. 
I had never been charged up to this day. 

I told him he was unprofessional and how dare he and hung up. 

I suffer from anxiety and to be belittled, yelled at and accused by complete stranger regarding a matter im not refusing but asking to be contacted at another time is unacceptable.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

XXXXXXXX XXXX says I am past due in a account they claim that started in XXXX or XXXX my utilities bill with my house in XXXX isnt with XXXX XXXX  Ive owned my house for 2 years here. And Im up to date with my bill currently. This collections account they are claiming on my credit is fraud!
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (OH)

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. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX  XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXXXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : Account number : has violated my rights. Or 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 2023-06-26
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2023-06-26
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. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I am trying to head off a disaster of not being able to pay my mortgages on two properties. 

Summary : I am XXXX years old and XXXX. These investment homes are my retirement. Lender Mistakenly Paid My Property Taxes For Two Properties I Own When I Pay Them Directly to County - now Lender is demanding I repay them via Escrow which means I'd double pay the property taxes. I can not afford the monthly escrow demand and I will default on the loans. 

I own two rental properties in the City of XXXX, XXXX XXXX S.C., XXXX I pay the property taxes directly to XXXX XXXX annually. I was late paying the XXXX taxes and arranged a monthly payment plan with XXXX XXXX which I have been paying in good standing. 

Mr. Cooper was the Lender Servicing Company - they transferred the loans to RightPath Servicing, a Division of Mr. Cooper in XX/XX/XXXX. 

At the time they transferred the loans to Rightpath, they mistakenly paid my property taxes to XXXX XXXX without contacting them or me - therefore they didn't know I am paying the property taxes on a monthly plan. 

Rightpath is now demanding I pay the annual property taxes via escrow which would mean I'm paying the property taxes twice! 

I never had escrow accounts with these two loans - I always have paid the property taxes and insurance directly. they want to charge me in escrow. 

The way they're structuring the property taxes in the escrow is so exorbitant that there is no way I will be able to pay the monthly payments. My {$810.00} payment is going up to {$2900.00} ( {$2100.00} in monthly escrowed property tax ). The other mortgage is {$620.00} and it's now going up to {$2200.00} ( {$1600.00} is monthly escrowed property tax ). 

I used to pay {$1400.00} per month for both mortgages. 
Now they want {$5100.00}! -- based on their mistake. 

Meanwhile I'm paying XXXX XXXX {$1400.00} per month for both properties, which Righpath has not taken into account. 

I ABSOLUTELY CAN NOT AFFORD TO PAY THESE MONTHLY PAYMENTS WHICH ARE DERIVED FROM THEIR MISTAKE. I WILL DEFAULT ON THE LOANS AND LOSE THE PROPERTIES. 

They use a third party company XXXX to deal with " customer service '' issues regarding escrow and even though I've called multiple times and complied with their requests such as sending them a copy of my payment plan contract with XXXX XXXX and explaining the situation in letters THEY DO NOT RESPOND TO ME, let alone resolve the situation and delete the property tax demand from the escrow accounts. 

Also I was promised the escrowed taxes would not begin until XX/XX/XXXX which they told me would give them time to resolve things but now I see they are demanding the payments in XXXX. 

I will lose my investment homes if this is not resolved. I'm XXXX years old and XXXX. This is my retirement. Please help XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (FL)

Received a Chime debit card in the mail - never applied for it never gave them my information but received it in the mail. I contacted Chime and had the account closed but am concerned that the account could be opened without my knowledge or without my applying for it. I believe it is a scam.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Consumer complaint received 2023-06-26
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. (PA)

Third Party Supplemental Information File Number # XXXX Date issued XX/XX/2023 Page 11 of 11 Rent to own I have not applied or applied for any rent to own. 
Transunion/the third party needs to provide by who of said application or lease to own contract of the legal entity of the said rent to own as on my credit file by the third party and the legal name of the third party inn regards of the said inquiry last 6 months Rent to own inquires all 6,9,12,24 months need to be removed or provide the said documents of the lender or private company to finance company documents of the said false information of the third party by them stating there legal name and address and phone number of such claims.

I'm filing a complaint with the US Attorney to this actions of third party with no info or address phone number or legal entity of the said third party as on my credit file in which Transunion is held accountable by listing this third party on my credit file with no address phone number or the provider of the said Rent to on or documents of legal binding contract by the third party/Transunion.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (FL)

TODAYS DATE : XX/XX/XXXX ABSOLUTE RESOLUTIONS I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABSOLUTE RESOLUTIONS I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I signed up for a Chase bonus program in XXXX that was supposed to give me a bonus of {$300.00} for setting up direct deposit with a checking account, {$200.00} with a savings account if I kept $ XXXX in there for 3 months and a bonus of {$400.00} if I completed both of these for a total of {$900.00} in bonuses. 

I received the {$300.00} checking bonus on XX/XX/2023. 

I received the {$200.00} savings bonus on XX/XX/2023 and the email also says that the {$400.00} bonus was deposited. 

I never received the {$400.00}. The {$400.00} was supposed to be deposited to the checking account that I had with chase, but chase closed the checking account after 60 days of a {$0.00} balance ( which they never mentioned would happen ). 

I called Chase on the week of XX/XX/XXXX to inquire and was instructed that I had to wait a few days for a check to come through. 

A check never came and I called back. They said I had to work with my local branch. I've been working with my local branch and had no less than 10 calls with one of the workers, XXXX, and the branch manager, XXXX. The location is XXXX XXXX XXXX, XXXX, PA XXXX. I'm beyond frustrated and had high hopes but they have now put me off for almost 2 months with no end in sight.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The company " TransUnion '' is knowingly and actively restricting online access to my credit report- in spite of any red flags would've been resolved by now- in spite of I have been restricted for more than six months- in spite of my having already proven my identity several times via postal mail submission and retrieval of such prior credit report - and in spite of my having manually removed the prior fraud alert. At this time there is no cause for a restriction of my credit report. No basis in law can be cited that allows them to restrict and/or unevenly afford online accept to some yet not to others. I want online access to my credit report that's what I want and I am over sending postal mail and I will not repeat the process a fourth time like a XXXX.