davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: BARCLAYS BANK DELAWARE (NY)

I made a purchase on XXXX on XXXX XXXX using my Black Card mastercard for {$2200.00} Items were counterfeit and I filed a dispute on my black card so I wont be responsible to pay the amount on my statement. I sent third-party confirmation that items were fake. Credit card company took months to get back to XXXX and closed the case. They advised to return the product back to the seller and send them a confirmation of the return in XXXX and assured me that the case will be reponed and case will be ruled in my favor since i am following the instructions. The merchandise was shipped back on XX/XX/XXXX to the seller and seller received the merchandise back on XX/XX/XXXX ( international ). I sent all the paperwork to the credit card and keep calling to see if it was received. After numerous follow ups I was assured on XX/XX/24 by XXXX ( the credit card rep ) that the case has been reopened and received my paperwork and case is under review. Please note, that the calls are recorded. I kept requesting the call back from a supervisor 4 times ( which was promised within 24-48 hours ) and only received it on XXXX. The supervisor advised that they nothing can be done at this point and case cant be reopen due to a time frame past and i got misinformed by the credit card representatives.
Consumer complaint received 2023-02-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2023-02-15
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. (IL)

VIOLATION TO CONSUMER FCRA AND METRO 2 COMPLIANCE # XXXXXXXX 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 2023-02-15
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. (FL)

I had a {$130.00} balance on a checking account at XXXX XXXX XXXX at the beginning of XXXX but due to the pandemic I completely forgot about it. I was immersed in trying to straighten out my business funding and business bank account locally. I was contacted by XXXX towards the end of XXXX about it and immediately paid it by phone. Experian has been given a documentation SEVERAL TIMES provided by the bank ( attached ) showing it was paid off in full and closed with no further issues. But despite my disputing it several times with this documentation they have not changed the account information reflecting {$130.00} charged off. And since XX/XX/XXXX I cant file any more disputes.
Consumer complaint received 2023-05-07
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. (CA)

This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 

15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (TX)

I sent a letter to Experian to file a dispute on my credit report and I'm not happy with the investigation results because the negative informations on the report are still remained even though there is no proof that I opened these accounts. 

The following accounts are opened as a result of fraud and I'd like Experian to remove these accounts off my credit report : XXXX. XXXX XXXX XXXX. XXXX ( XXXX )
Consumer complaint received 2023-05-07
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. (FL)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (IL)

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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX or XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  Bankruptcy Discharged # 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 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 2023-02-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

FEDERAL CRIME OF IDENTITY THEFT 18 U.S.C 1028 I going over my credit report and encountered soft inquiries which I did not allow I am coming to fix this issue before I file a civil suit. 

I never authorized BOA to run my credit : I demand compensation for this cause. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am willing to forgive this incident for the amount of XXXX with in 10 days of XXXX  since this is an emergency
Consumer complaint received 2023-05-07
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. (FL)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My Loan has been serviced by Mr. Cooper since XX/XX/XXXX XXXX. They did not pay my Homeowners Insurance on time- which was due XXXX of XXXX. As of XX/XX/XXXX there was an {$81.00} balance. 
2. When I contacted Mr. Cooper ( Loan Servicer ) on XX/XX/XXXX the automated system indicated that my mortgage payment was going to change by {$350.00} effective XX/XX/XXXX. I had not received any other notification regarding a change in my mortgage amount prior to this announcement. 
3. When further researching I was advised that Mr. Cooper ( Loan Servicer ) paid my Flood Insurance in duplicate in two different amounts. I was engaged in a three way call between Mr. Cooper and XXXX XXXX. XXXX  Provided Mr. Cooper with the reimbursement payment check number, the date the funds were cashed by Mr. Cooper, as well as the account number the funds were deposited into. 
4. Mr. Cooper has not reimbursed the funds into my escrow account which is now XXXX because of their error.

5. Mr. Cooper advised that they lost the funds that they cashed and the funds. They are not aware to whom the funds were credited. 
6. On XX/XX/XXXX I had to research what options are available to me, as Mr. Cooper advised me that they did not know what could be done. 
7. I requested that a Missing Funds Case be created to research where the funds were so that my account could be credited with my money. 
8. I was advised that nothing could not be done to halt the escalated payment amount beginning on XXXX XXXX  until Mr. Cooper corrects their error of the mismanagement of my funds. 
9. Since XXXX, I have had to contact Mr. Cooper over 10 times in reference to late payments for flood insurance, Home Owner 's Insurance and my taxes. 
10. On XX/XX/XXXX, I contacted Mr. Cooper and requested an escalated call to a supervisor. She apologized but advised me that there was nothing that she could do to assist me. 
11. I believe that Mr. Cooper ( Loan Servicer ) is engaging in predatory loan practices aimed at disadvantaged borrowers.

12. Mr. Cooper is mismanaging my funds. There is no acceptable reason for the funds returned to Mr. Cooper on my behalf not to be refunded into my account.

13. It's a predatory practice not to provide me the consumer with notification of an increase in my mortgage payment. This should not have been done through a notification on the phone system when I called in regarding the incorrect payment made to the homeowners insurance.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was offered a credit card through XXXX XXXX. The card was from XXXX XXXX. Located at XXXX XXXX XXXX XXXXXXXX Utah. XXXX XXXX. I never heard Back From Them So I decided to call XXXX XXXX  at XXXX. 
The Inquiry was mede by them in my credit report. When I spoke to them they stated they had no information on me and I explained I did a full application. The customer service replied you will have to go ahead and take care of this yourself then hung up on me.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NJ)

Not the Place you would want to go to open a Business Account while being a Minority. On XX/XX/. I proceed to go and open my business account at this location. Once greeted I sat n spoke with a banker he proceeds to go over my paper work as going over it he told me there's an error one paper is miss XXXX on it. From there I knew this was the wrong bank to go to. He runs to the back and comes back out. Asking me everything he did before he went back. Now come the Branch Manager for some reason he has to take over opening this account. After showing my business credit cards he proceed to say it must be a major bank credit card. I Live in a luxury complex where the lease is digital n on a login portal. He proceeds to stay that's not acceptable. Next I offer my water bill. Not acceptable, now at this point he's lying. He does wants to open this account for me. I can bet any amount of money that bank specifically doesn't offer higher services to minorities other than a checking accounts.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I check my account on a daily basis and since I don't make a lot of money I sometimes have to pay bills 2-3 later than I want when I pay with my debit it will show pending for more than 2 days which is not normal if I pay a bill and it shows that it is posted and not pending it's should have not been returned I sense that this is a manipulation of funds and that debits are posting later than sooner.
Consumer complaint received 2023-05-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-02-16
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XXXX has committed several errors. # XXXX they will not accept a recorded XXXX XXXX XXXX, naming the heir as beneficiary of the estate. In the state of Florida a XXXX XXXX XXXX  serves in lieu of probate or a Last Will and testament. 

Additionally, XXXX is showing the property as a Real Estate Own, when in fact the never successfully foreclosed on the property. XXXX is still under the name of XXXX name and they refuse to review for a loss mitigation due to this errors
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

On XX/XX/2022, I mailed off my standard car insurance payment the insurance company explained that they had never received my insurance and canceled my insurance. Last week I received a bill from my car insurance stating that I owe the balance of {$26.00} if my car insurance was canceled. I'm unsure, and it's unfair that I'm being billed {$26.00} Because the insurance was canceled. I kept my money order and the receipt, and the XXXX money order representative told me that the money order had never been cash, which meant the mail was lost. I'm on a fixed income, and {$26.00} may seem small, but it's money on my fixed budget. I was under the impression that the insurance was canceled, so why would I still owe {$26.00}
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc. (CA)

Hello! During the pandemic in 2020, it was difficult to keep up with my payments due to being off and on with work when places would re-open and then close again. 
I had trouble being consistent with my payments, but now I am in a better place as I have a more stable job. I am a hard worker, and didn't mean to miss these payments. I am doing my best to not repeat those same mistakes in the future.
Consumer complaint received 2023-02-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

i've been out of work since last year in XXXX due to covid i had XXXX  XXXX i've been struggling with health issues where i couldn't work. i finally found a job after all the illness i've had i'm hopefully getting better. i'm really behind my house payments from XXXX all until XXXX i wont be able to get a payment through until i start working good hrs
Consumer complaint received 2023-02-15
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. (GA)

I am submitting this Complaint to you today to remind you regarding my former CFPB Complaint requesting the removal of the fraudulent items off of my Credit File. I have read that under the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information from my Credit File as soon as possible. I have sent you a dispute letter last XX/XX/XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC I received from the FTC. Please comply wit hthe Fair Credit Reporting Act section 605b, and have the following items removed as soon as possible : XXXX XXXXXXXX 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 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 XXXXXXXX Balance {$95.00}. If you believe that the disputed items belong under my name, I request you to please send me copies of documents bearing my signature or any documents to support your claim that the disputed items are mine. In the absence of these documents, I would greatly appreciate you immediately removing the disputed items off of my Credit File.