davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

This is a complaint against XXXX XXXX XXXX. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers  should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

My mortgage was transferred from XXXX XXXX to Chase effective XX/XX/XXXX. When the transfer was complete on XX/XX/XXXX, I was able to sign in to the Chase App and use Chase.com to view my balance, escrow, and principal. I was even able to set up a checking account to make payments from. 

However, when I was signing in to set up my payments for XXXX, I was presented with two agreements I was required to accept before using the Chase App or Chase.com to pay my mortgage. 

The first was the Online and Mobile E-Sign Disclosure and Consent Agreement. I had no problem reading and agreeing to the terms there as it was a routine electronic communication agreement, and 10 pages long. 

My issue is with the Digital Services Agreement. It is a 124-page document containing terms and conditions including holding JP Morgan Chase blameless for any interruption of service, agreeing to no warranties ( express, implied, statutory ), and an agreement to settle any dispute with binding arbitration. 

I was not consulted regarding the sale of my mortgage. I was not asked to consent to the sale of my mortgage to JP Morgan Chase. I do not accept there terms being forced on me in order to pay my mortgage. JP Morgan Chase has employed bait-and-switch tricks to force me to agree to a set of terms and conditions I was not presented with during the transfer of my mortgage. This appears to be a legal maneuver rather than good underwriting.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been a victim of cybertheft. as the consumer i sent over conditional acceptance i never received written correspondence as i requested, which is violation under the ( FCRA ).
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

INNOVIS IS REPORTING INACCURATE BALANCE OF XXXX. THE BALANCE WAS VERIFIED CORRECT ON XX/XX/23 THE CORECT BALANCE FOR ACCT XXXX IS XXXX. THIS IS A VIOLATION OF FCRA LAWS.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

im filing this report against the three major credit bureaus. TransUnion XXXXXXXX XXXX XXXXXXXX have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil  in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report
Consumer complaint received 2019-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I tried to login to equifax to check on the status of freeze but the website would say that my username/password is incorrect. There is no way to get out of the loop without calling their number, which has more than an hour of wait time. This has also happened multiple times in the past wasting a lot of my time for no reason. In particular, on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I had the same issue. Is there a way to resolve this? I just want to be able to login just like any other individual but the company is actively preventing me from doing this with no recourse.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I took a look at my consumer report and identified some unauthorized items from my file. These items need to be blocked and deleted from my file immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (WA)

Mortgage Solutions financial has sent us a letter notice of Acceleration. we are behind three plus late charges on are mortgage. They have sent more then 12 letters stating we could refinance, modify or payment forbearance on are loan. we have asked for all of these and every time they say NO. Why even offer things if all you do is say NO. We have over $ 50,000.oo equity in the house but no one can loan us any money because of behind on mortgage. There us taking are house to get more money then is right.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental 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 required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

First of all, Selene Finance LP is a corrupt organization, and they need to be investigated for their activities that violate consumer protection laws. 

My most recent issue with Selene ( who is the servicer for my loan which is owned by their parent company XXXX XXXX has to do with the two most recent mortgage statements that I received. 

On XX/XX/XXXX, we received our mortgage statement with the coupon for the XX/XX/XXXX mortgage payment. This statement was dated XX/XX/XXXX. It is common that Selene does not actually send out its correspondence on the date listed on their correspondence, but 14 days is a little ridiculous -- and we were getting worried that we hadn't received our mortgage statement. ( As everyone is aware, Selene is not kind about late payments. ) Then on XX/XX/XXXX, we received a second mortgage statement for XXXX -- this statement was dated XX/XX/XXXX -- so it arrived about 20 days after the date of the statement. That statement listed XX/XX/XXXX as our payment date, but we didn't even receive it until XX/XX/XXXX. 

Furthermore, I am uncertain why Selene sent out multiple statements for the same month. It made us wonder whether there was something wrong with our account, or something wrong with Selene 's managing of our account. 

Selene has continued to show reckless disregard for clear communication with its customers. Its consistent practice of back-dating correspondence exacerbates the issue ( and may be a violation of law ). 

As you investigate this complaint and other complaints against Selene, I would ask that you please consider removing the license that allows Selene to practice debt collection due to their substantive and consistent abuses of their customers. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I put in a dispute claim with Wells Fargo about 2 transactions I used a different form of payment I emailed them proof that I paid a different way but their rep. Decided to deactivate my card due to fraud but I specifically said it wasnt fraud. Now I cant pay my rent with my debit card because thats the only form of payment my apartment takes. The agent did that on purpose because I asked to speak to a supervisor and he refused so I hung up and called back to get a different representative! This has caused my rent to be late and Im stuck with a XXXX $ late fee due to him being wicked towards me! I need some type of help with this situation asap! Not to mention I didnt even know my card was deactivated till I tried to order my kids food. He didnt even have the decency to reorder me a new card
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX
Consumer complaint received 2023-07-06
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 Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX5 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 SECTIONc. ( 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 1681 SECTION 602s2 ( 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON TRANSUNION, XXXX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, FMCC XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 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 2023-07-06
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: Experian Information Solutions Inc. (NY)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 

RE : Last XXXX XXXX XXXX To whom it may concern, 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. Experian has violated my rights.

15 U.S.C. 1681 SECTION 602 A states 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 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 conviction of crimes which antedates the report by more than seven years.
15 U.S.C. 1681 s-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 information is inaccurate. 


ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX  XXXX  XX/XX/2021 Experian XXXX XXXX  XXXX  XXXX  XX/XX/2021 XXXX
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX 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 my written instructions.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 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 2023-07-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX never notfied me of what was going on i never knew i was 30 days late when i found out there was problem with account i made everything right with it and now am straighting it out s i should be good with it in a few they never called or emailed me with clear ackwolegement as toproblem with acount i found out what was going on by looking at bill and seeing account doubled up to XXXX a month they took my normal payment and kept it separate till i made it good with extra amount due i wouldnt have been 30 days late if they added two payments togetor to take care of XXXX and when i found out i made it current
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc. (PA)

Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).