davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (VA)

Pacific Union Financial sold my mortgage on XX/XX/2019 to XXXX XXXX without notifying me first. I was not aware of this until I called my mortgage company ( Pacific Union Financial ) wondering why my payment was not automatically taken out. I made that phone call on XX/XX/2019 at XXXX XXXX on or abouts. I was informed that my mortgage had been sold effective XX/XX/2019 and that my automatic payment that was scheduled to come out of my bank account on XX/XX/2019 had been canceled. I asked why I had received no notification and I was told that I would be receiving something via mail soon. As of XX/XX/2019, I have received no such information. I did ask about the new company and was given the phone number and name, phone number XXXX. I will now have to reach out to this new company and try to make my monthly mortgage payment through them if possible.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TN)

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.
Consumer complaint received 2024-01-20
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. (NJ)

I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.
Consumer complaint received 2023-07-25
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. (TX)

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.

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 2023-07-25
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: CL Holdings LLC (FL)

I am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

My XXXX had a XXXX and can no longer take care of himself. I have Power of Attorney and sent it to the the credit card company managing his business account and instructed them to close the account. Instead of doing what I instructed they kept the account open and sent me an application to be an " Authorized Representative ''. Why would I want to be a representative on an account I want to close? The Power of Attorney clearly states that I am in charge of all financial matters. I can not find all the reoccurring charges my XXXX had set up on this business account and 5 days after I faxed them my PoA and instructions to close the account a reoccurring charge was made. I faxed them my PoA again and told them what happened and that I am not paying any charges made after my original Fax and instructions. I am now getting bills in the mail with late fees and interest charges. I am the one in charge of my Fathers finances now and I did not authorize these charges, in fact, I did everything I could to prevent them. This is Fraud.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

My credit file is being blocked at Equifax this is a major violation as I am a consumer. I can't get insurance or buy a house because of these errors. See attached documents and unblock my credit file. Remove all fraud alerts or I will be forced to take legal action {$5000.00} per violation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with XXXX and Experian credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of XXXX.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I had my debit card stolen and was used for a website called XXXX XXXX. I reported it to my bank and it is almost 2 months since I made the report Ive had the account open for 3+ years I received no credit from the bank.
Consumer complaint received 2019-01-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NC)

I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.
Consumer complaint received 2023-07-25
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. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Shellpoint mortgage servicing I believe has a complex scam going on. Just look at the XXXX complaints. They average one a day!!!!! 
It's always accounting " mistakes '' and " misunderstandings '' please investigate this company NOW!!!!! 

For me it's the app not letting me apply extra payments. I believe they have cookies preventing me for being able to click the button. And payments not applied ... ugh
Consumer complaint received 2019-01-09
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: NATIONWIDE ACCEPTANCE LLC (MN)

I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
Consumer complaint received 2020-04-18
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS ON THERE THAT WERE ARE NOT MINE. REFER TO BELOW DISPUTED ACCOUNTS AND THE IDENTITY THEFT POLICE REPORT. 
PLEASE REFER TO ATTACHED XXXX  REPORT. PLEASE FOLLOW SUIT AND DELETE THESE ACCOUNTS FROM MY CREDIT FILE AS THEY ARE NOT MINE. THIS IS AN OBVIOUS CONTRADICTION SO PLEASE ADHERE TO THE FCRA LAWS. 
A XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS REGARDING THE GIVEN INFORMATION. THESE MAKE FIVE 30 DAY DEADLINE DATE VIOLATIONS UNDER FCRA GUIDELINES.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (WI)

in accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I filed a dispute when an unauthorized charge showed up on my XX/XX/2018, Bank of America online account. I called customer service to dispute the transaction of {$190.00} from a Movie service provider, XXXX, on XX/XX/2018. I got a letter dated XX/XX/2018 from BOA stating that they had received my dispute claim and gave me a temporary credit for the transaction. On XX/XX/2018, I got a letter from BOA stating that they had received information from XXXX that seemed to justify the charge. They told me to mail all the details of the disputed transaction or they would close the case in the merchants favor on XX/XX/2018. I called BOA customer service and she said unless I could get my reasons for disputing the transaction, that day, to a BOA office, the dispute would be considered closed. There are no Bank of America offices in the metropolitan XXXX area. I finished the form letter they sent me and mailed it back. The only thing BOA has responded with is the same denial of the dispute in my favor.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (PA)

Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-01-19
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My account/card was used while I was on XXXX for the XXXX XXXX XXXX XXXX They used {$16000.00} within the span of a month. I reported this immediately to the company when I returned only for them to deny my dispute multiple times due to the amount. I sent supporting documentation as well as identity documents to verify that I was not at fault. Multiple agents who filed my claims even said verbatim " You should have your money back very soon these documents are the ones that will show the fraud team you did not do this ''. This card was loaded with my XXXX  benefits I fought hard for from being in California. My family and I have been homeless living under the authority of others because we can not afford anything without this money.
Consumer complaint received 2023-07-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Consumer complaint received 2019-01-09
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. (WA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : XXXX XXXX, Inquiry Date : XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2018 XXXXXXXX XXXX XXXXXXXX, XXXX A, Inquiry Date : XX/XX/2018 XXXX XXXX, Inquiry Date : XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.