davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (OH)

In XXXX XXXX XXXXXXXX I noticed a major increase in my monthly US bank mortgage payment. It jumped from {$970.00} in XXXX, to {$1200.00} in XXXX and XXXX. I looked at my monthly statements and in my escrow payments under " overage/shortage '' was a charge of {$240.00}. This " overage/shortage '' was mostly the issue along with an slight increase in taxes, insurance, principal and interest payments. I have carried a mortgage loan on this house for about 7 years. I have had slight increases in my mortgage payments from insurance and taxes but not this much. I continued to make this increased mortgage payment until XXXX with the thought that at the start of the new year the shortage in the previous years tax and insurance payments would be paid off and I would be only paying the new increase in tax and insurance. But as of XX/XX/XXXX I am still paying this extra {$240.00}. So I decided to reach out to US bank directly. 

I called US bank customer service twice during the XXXX and XXXX months. After finally being able to talk to a person and not a robot, I was told that the increase in my mortgage payments was due to an increase in my tax and insurance. But this did not add up to me. The tax increase was {$8.00} and the insurance increase was {$34.00} compared to the previous months. Even if there was a shortage over 12 months that's {$510.00} short. That extra {$240.00} would have paid that off in 2-3 mortgage payments. But after 6 months I am still paying this extra {$240.00}? 

As a last resort I took time off work to visit my local US bank to talk to someone in person. The teller was very nice and told me they couldn't look up some specific information but she could see my escrow payments. After she saw the discrepancy she also thought that it was very odd. She sent an email to someone at US bank describing my situation and I was told I would be getting a phone call from someone in 15 business days about how to resolve this issue. This was on XX/XX/XXXX. The Request confirmation number is XXXX. After 19 business days I did not receive any phone call, email, or message on my US bank online account. So now I hope the CFPB can help me resolve this issue.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

The creditors is reporting inaccurate information in STATE EMPLOYEES CREDIT UNION Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. STATECU XXXXXXXX and STATECU  XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (GA)

SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR CARTER-YOUNG INC , I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE.

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY.

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT. 

PLEASE BE ADVISED THAT I'M A FEDERALLY PROTECTED CONSUMER WHO KNOWS AND UNDERSTANDS HER RIGHTS AND IS WILLING TO GO TO THE FULLEST EXTENT.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (OR)

Debt collection company TrueAccord Corp is contacted me on XX/XX/year> via email claiming that I have a debt of {$350.00} that was originally owed to XXXX XXXX XXXX XXXX XXXX 

The email address they used is a throwaway address that I do not use for official business. 

I have never had an account or debt with XXXX XXXX XXXX XXXX XXXX 

The physical address they say they have on file is not one I've ever lived at ( or even a state I've ever visited ). 

I informed them of this but they emailed me again, XX/XX/year> doubling down on their claims that I have this debt.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/year>, I had insufficient funds in my checking account to pay credit card bill and Ally Bank/Ollo credit card would no longer accept payment from my checking account. They also will not accept payment from my debit card or another credit card. I was told on 2 occasions that I need to submit a document with my account number to show that I had funds before theyd allow me to pay from my bank. I had to ask someone else to use their bank account number to pay. They told me I can only pay with my debit card if Im in collections status. I submitted a document provided by my bank and now Im being told that they will still not allow me to pay from my bank and Id need to get a new bank account to pay. Its not fair to require me to ask for someone elses bank information or to take time off to open a new account just to pay this bill.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Credit 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: GOLDMAN SACHS BANK USA (CO)

In XX/XX/2023, I encountered a severe issue with a counterfeit item purchased for {$2000.00} through XXXX, paid via XXXX. Despite providing clear evidence, including a detailed third-party authenticity report from XXXX XXXX, confirming the item 's counterfeit nature, my dispute has been met with systemic neglect by the company. 

The journey began with extensive efforts to prove the item 's counterfeit status, culminating in physically mailing over 40 pages of evidence to the company. It took nearly six months of persistent follow-ups before the company even acknowledged receipt of this evidence. This delay was the start of a pattern of stonewalling ; despite assurances over the phone that my case would be escalated for a favorable resolution, the actual response was a cycle of reopening and closing the dispute every 30-60 days, resembling an automated denial that failed to engage with the substance of my complaint. 

The core issue has been exacerbated by the company 's demand for the return of the counterfeit item without providing a lawful return address or facilitating any form of mediation with the seller. This situation is further complicated by the open and ongoing dispute, which necessitates Goldman Sachs ' direct involvement for mediation to ensure the seller is informed and agrees to the return process. This requirement stems from the dispute itself, into which I was led by the company 's assurances, placing me in an impossible position given the legal implications of mailing counterfeit goods and the logistical challenges of securing a return address without Goldman Sachs ' active mediation. 

This protracted dispute has not only resulted in financial loss but also significant emotional distress, highlighting the company 's failure to adequately address the dispute and their disregard for the legal and consumer rights implications of their actions.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FinCo Services Inc DBA Current (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, 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. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Checking my Equifax report there have been multiple inquiry attempts to apply for credit that do not belong to me and the following inquiries need to be removed : 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 EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (NV)

My name is XXXX 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.