davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

I was charged almost {$5000.00} on my Victoria Secrets store card in the matter of 3 days. I have not used this card in almost 2 years and was alerted only because my credit score went down XXXX points. I called and spoke with Commenity Bank to alert them of the fraudulent charges and found out that my ULTA card was also compromised, as the thief 's requested a new card be sent to them on that account as well but, was unable to use that card as I've cancelled everything. These purchases were all done in XXXX Florida over 5 hours from me and escalated within three days. These assailants attempted to pay their {$5000.00} debt with my bank account. I was able to put a stop payment on it, but they attempted several times more to pay the bill. These assailants managed to change my physical address and email address, so I was never alerted until it was too late. 

These dates are approx. 

Date of first charge : XX/XX/2023 Date of last charge : PRESENT
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

CitiMortgage approved a loan modification XX/XX/XXXX, XX/XX/XXXX learned that they had not approved it after my trustee paying my mortgage payments on time. Went to try and do a loan modification with my lawyer, CitiMortgage lawyer, the employees from CitiMortgage never showed up. They caused me to lose a day of work , drive 2 hours to XXXX to try and do a settlement with them. Had to pay for a third party who never showed up except on the phone to be a mediator. I am on chapter XXXX, previous to filing I have never been behind on my mortgage payment. From XX/XX/XXXX to now the trustee stopped paying my mortgage. Still trying to do a loan modification. CitiMortgage constantly stated my papers were not sent when I have a bankruptcy lawyer doing all of my paperwork and submitting it. Finally I was going to surrender my home tired of the whole process. I received from my lawyer information about a possible loan modification the letter was dated XX/XX/XXXX XXXX, XXXX, he advised me to possibly consider this. I decided to go ahead and go through with their offer. Payment due on XX/XX/XXXX XXXX, XXXX was sent on XX/XX/XXXX XXXX. So on XX/XX/XXXX XXXX I have received a letter that the CitiMortgage went to court to remove my automatic stay. Such inconsistencies. Then I received an email stating that my mortgage has been sold. They have caused me undue stress and at this time I do not know what is exactly happening with my house.
Consumer complaint received 2023-02-13
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XX/XX/ )
Consumer complaint received 2023-02-13
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. (MI)

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 XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and 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 2023-02-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-13
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. (FL)

NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

SOMEONE OPEN FRAUDULENT ACCOUNTS IN MY NAME AND THE CREDIT REPORTING AGENCIES ARE IGNORING MY DISPUTES THE ACCOUNTS BELOW ARE

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 2015-09-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

There are several inquiries on my credit report that I did not authorize. These are ALL A RESULT OF COMPAINES FRUDENTLY OBTAING MY CREDIT REPORT INFORMAITON AND EQUIFAX GIVING THEM MY INFORMAITON. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. Equifax has also failed to investigate these fraud inquires on my credit report and has kept sending me their standard generic letter about inquires. How about they actually read and do something other than spitting out there generic letters. This is a violation of my FCRA rights and is hurting me financially now. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Bank - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX Bank - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX GA - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry XX/XX/XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-02-13
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. XXXX  XXXX Allegedly {$4700.00} high balance. Allegedly Balance owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2023-02-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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.
Consumer complaint received 2023-02-10
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. (NJ)

XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) XXXX the final disposition of the case. I am also attaching a fraud an identity theft affidavit from XXXX. 

XXXX XXXXXXXX XXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.
Consumer complaint received 2023-02-13
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. (TX)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX  XXXX Bankruptcy Discharged XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.
Consumer complaint received 2015-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!
Consumer complaint received 2023-02-09
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. (DE)

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 ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MI)

I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account 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 an account without written instructions.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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  acct. # XXXX, XXXX formerly XXXX acct. # XXXX ..., XXXX XXXX # XXXX, XXXX XXXX  acct. # XXXX, XXXX XXXX. store/ XXXX  XXXX acct. # XXXX, XXXX XXXX XXXX. acct. # XXXX ..., XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. acct # 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act 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.