davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Hello We have been in our home for over 25 years and our mortgage have been sold from Mr Cooper to Rushmore maybe twice approximately three years ago we were informed that one year our mortgage went out homeowners insurance without us being informed. Several years our mortgage was approximately $ XXXX {$900.00} + monthly, after this, we have been struggling to get out of this awful hole and our mortgage have climbed to {$1900.00} + I am currently on XXXX and my husband is on Social Security XXXX As of XXXX  we have been informed that our mortgage now will be {$3300.00} which is more than, both of our income combined. We have requested history of this incident where our mortgage with without insurance for an entire year, which is at no fault of hours. The mortgage company have a responsibility to make sure that there is insurance on the account and paid to the escrow and because they did not we are now being held XXXX  in our home, we have not missed a payment and we have not been late in the last 20 years on our mortgage. This is unacceptable and we have requested an audit for the last 10 years of our mortgage. We also have requested a history outline of statements and payments and we will like a repair and interest rate adjustment. We can not afford this amount. We refused to pay this amount we want justice. We want our mortgage back to the reasonable amount that can be paid. The mortgage company has responsibility and they have failed us as homeowners. 
Thank you for your assistance in this matter. 


Thank you grandma XXXX and XXXX XXXX Company Rushmore- $ XXXX {$3300.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I have 2 chase cards on my consumer report, none of them are mine. Why would they lie and put this on my consumer report?? This is crazy. I've filed a complete FTC report. They haven't removed it. I can't open credit cards, I can't open get loan to buy a house or business funding. I don't know how long it's been on my credit report but this is crazy that they just slapped a random credit card charge off on my report. account # XXXX XXXX
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

I deposited my XXXX  to crypto.com wallet address they provided on XX/XX/XXXX since then my assets are not verifiable. Transaction id and everything was provided to support and no response for over XXXX. Tried to contact with them through email and app customer support and XXXX XXXX but they are not providing single information about missing deposit. There are more than XXXX people asking whats going on on XXXX and they have autobot to reply and nothing happened. As crypto.com is largest exchange based in US, I really dont understand how this can be happened. They dont have any way to provide customer support and they kept sending auto reply for same wording emails with apologies and if I still need help contact them again. I did contact them everyday and no answer and I believe this can be serious problem because I checked their audit report for my funds and it was done in XXXX  which doesnt make anything clear about funds they are holding under customers account. This can be XXXX XXXX  if we dont really have no answet about funds they are holding. Its hard earned money customers put in to trade and plan to invest. 
I really recommend to look into this matter because this can be impacted on our economy system.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (PA)

Company received a fraudulent application for a credit card on XX/XX/25. They were one of 5 banks that received an app fraudulently and by far the worst to work with to resolve the issue. I wish to report the application as fraudulent, make sure no other actions were taken on my accounts, and have the inquiry removed from my credit report. 

I called to speak to a person. Struggled with their automated system multiple times. I was transferred between representatives 5 times on one call. I asked to speak to a supervisor and the rep promised the transfer would be successful and to the right person. Sent me to a closed department. They gave me numbers where the only options were to hear why an application was denied, on repeat, or to end the call. I told the one rep she was difficult to hear because her voice was muffled and she talked over me and transferred me to a dead end department. Their negligence in being able to accept a call and address this issue is to a level that I believe it to be intentional.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report. I have taken all of the necessary steps to dispute these accounts, including contacting the bank and law enforcement agency, filing a report and affidavit, and submitting my claim with your bureau for over 6 months. Despite my efforts, I have received the same ridiculous response every time. This is the XXXX complaint I have filed against them, and it's clear that they are not taking this matter seriously. Your bureau is reporting inaccurate information on my account with XXXX XXXX  XXXX XXXX, which is a clear violation of the FCRA . Reporting must be 100 % accurate, or the information must be deleted. I demand that you take immediate action to rectify this issue. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. This matter must be handled with a sense of urgency, and I expect a prompt response regarding the removal of this inaccurate information. I am tired of being ignored and pushed aside, and I demand that you take this matter seriously. Failure to do so will result in legal action.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I applied for unemployment deferment in XX/XX/XXXX and after months of back and forth verifying my unemployment benefit amounts I was approved yet I keep receiving monthly billing statements. Although I received an email stating I was approved, nothing on my Nelnet account reflects the deferment- my balance shows as overdue, payment amount is incorrect, interest 's still accruing- it's all wrong. I called Nelnet on XX/XX/XXXX and they confirmed that my loans were still in deferment and said something along the lines of it being a system error and to not worry about it? 

On top of that, they haven't processed my XXXX application that I submitted on XX/XX/XXXX ... it's now XX/XX/XXXX ... i've been waiting FIVE months. I used to receive automated emails saying it's still processing and they'd reach out within the next 10 days, the 10 days would come and i'd get the same automated email. The emails eventually stopped coming until they requested more info on XX/XX/XXXX so I uploaded the required documents but didn't hear back. I called to check on things XX/XX/XXXX and they said they were experiencing an influx of applications but it'd eventually be processed. As of today, I STILL haven't heard a single update on my application status and they don't even have an option to view the status of the application on their site.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

The fraudulent account in question was apparently established with the intent to deceive unsuspecting individuals seeking a rental property. Unfortunately, this deceitful act has not only caused financial loss to potential tenants but has also tarnished XXXX XXXX 's reputation. We suspect that the perpetrators took advantage of the current situation, exploiting the chaos and uncertainty caused by the pandemic.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

When citibank sent me a new card XXXX started showing that account as being closed. When I noticed that I disputed the status with XXXX. Now XXXX is telling me that the account has been deleted from their system as per Citibanks request. I've contacted Citibank several times and I've contacted XXXX several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Yesterday, XX/XX/XXXX, i teceived XXXX XXXX for XXXX, which CITI said they had no problem with. Later that morning i triedcto transfer amount ( that showed available ), and transaxtion was blocked, with no explanation. In the afternoon, I tried logging in, only to find my access to account was revoked. I placed call to fraud dept and received no specifics. I then went to local branch office, where I verified who I was. The local branch manager called CITI XXXX XXXX. They stated to him that they would be closing the account, and would not provide any specifics to the Manager or me. They stated it would be 7-10 days before I would receive a letter explaining their actions. In the meantime, I have no access to my money. In addition, I was told that the XXXX that was wired to me, would not be released to me for 30-60 days!
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

My rights as a federal protected consumer has been VIOLATED! FCRA 609 AND 605 as well as FCRA sec 623. On top of that also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802 and 15 USC 1692g. It doesn't end there. I have requested EQUIFAX to provide original wet signature contract between Me and XXXX, also me given written instruction to furnish ANYTHING on my consumer report, which I never did and thats identity theft. Also EQUIFAX have late payments which VIOLATES my federal protected rights again 15 USC 1666b. I also requested proof of license to collect a debt in florida and that was not presented by EQUIFAX or XXXX XXXX XXXX, but yet EQUIFAX continues to furnish item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-10
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my extreme disappointment and frustration regarding the lack of response from XXXX, Equifax, and XXXX regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date. 

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter. 

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX, Number XXXX XXXX XXXX, Number XXXX
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Chain of events : - I made a purchase with a merchant, Value City XXXX, on XX/XX/XXXX of {$2300.00}. It states on my receipt that I have a 12 month no interest plan. 
- On XX/XX/XXXX, there was a fraudulent charge on my account around XXXX of XXXX of {$2400.00}. 
- On XX/XX/XXXX, I disputed the fraudulent charge and Synchrony bank created a new account for me and closed the original account, and the fraudulent charge was removed. 
- While still making the minimum monthly payments, I was charged interest on XX/XX/XXXX ( {$26.00} ) and XX/XX/XXXX ( {$25.00} ). I noticed this on XX/XX/XXXX and contacted Synchrony bank that day to have those charges removed and request that the promotion that I was supposed to have get re-added, since somehow it went missing during the account transfer. I was told they'd create an incident and should have been resolved in few business days. 
- On XX/XX/XXXX, I call Synchrony again as I did not get a resolution, and was told it'd be escalated within XXXX business days. 
- On XX/XX/XXXX, I received an e-letter stating that they can not fix the promotion because it's been over 6 months since the date of the transaction, and that I am held responsible for the interest that has been charged on my account. 

On an additional note, I did not use my credit card even once yet somehow someone was able to use my credit card and make a fraudulent charge should be 100 % investigated, because something doesn't seem right about this. My credit card account was opened on the date of transaction and was shipped to my address, and it sat on my desk and never was touched after. I never made a physical nor virtual transaction with the card since I opened the account. The only thing I have done was setup my profile with Synchrony and make payments. I'm being told they can't do anything after 6 months of purchase and yet the first interest charge was 6 months after the purchase, which seems like more than a coincidence since the only people who had access to my information were the ones who created the account.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

I checked my credit report and i saw 2 inquires from the same lender and with one year o difference : the first XXXX XX/XX/XXXX from SYNC/PAYPAL, and the second XXXX XX/XX/XXXX from SYNC/PAYPAL again ... i sent several letters for the removal inquires that i did not remember and did not authorized, as you can check i do not have any products with them
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of the Equifax ' data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX. {$2000.00} XXXX XXXX  {$4700.00} ( Inquiry ) XXXX XXXX XXXXXXXX XXXX ( Was given false credit score to bank resulting in being denied and acquiring a new inquiry
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MT)

In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as XXXX, Experian, and XXXX, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, XXXX, Experian, XXXX, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. 
I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

The week of XX/XX/ I received a Target RedCard in the mail with a credit limit of {$500.00}. I do not shop at Target, and never applied for the store credit card. I called a number I found in the letter accompanying the card, and spoke to the fraud department at Target to have the card canceled and report the incident. They canceled the card and said I will be receiving information about my case in the mail, but I have not received that information yet. They also recommended I report the incident to the FTC.