davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
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. (MD)

XXXX XXXX publisher put up a new privacy policy that allows opt out of individually tailored ads. One of the companies they work with is XXXX. Upon going to XXXX I found that they had an agreement to obtain information from the credit bureau Equifax, XXXX : XXXX Following the link to Equifax and looking at their privacy policy I found that they are integrating my demographic information and selling it, XXXX : XXXX This does not meet my expectations for how my family 's financial history should be used. I believed my data was private. If a company wants to ask for a list of people with a certain income range, credit score range and is then provided names and/or contact information for the list provided, how many inquiries would be needed to identify my private information. The databases already contain a computer or mobile device identifying my every move on the Internet. How is this credit bureau protecting my information? While it is making money at my personal financial exposure risk?
Consumer complaint received 2023-10-31
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. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-10-31
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 recently found a memo from XXXX stating that child support collections are not credit transactions and excluded from Consumer Files. Equifax and XXXX are willfully neglecting and non compliant to the FCRA laws
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WV)

I am the victim of identity theft. On XX/XX/2023, I received notifications from XXXX, Chase Credit Journey, and XXXX XXXX XXXX XXXX that a hard inquiry had been placed on my credit files on XX/XX/2023, by JPMCB Card. I confirmed that hard inquiries were placed my XXXX and XXXX credit reports. I never authorized these inquires. I contacted Chase Fraud Services on XX/XX/2023. I was informed that someone had applied for a Chase Freedom credit card. This was a fraudulent act that was unauthorized by me. Chase informed me that the fraudulent application had been denied. The reference number provided by Chase is XXXX. Please see the attached identity theft protection kit from Chase dated XX/XX/2023. I placed fraud alerts and later security freezes on my XXXX, XXXX, and XXXX credit reports. On XX/XX/2023, I discovered that XXXX XXXX number XXXX was fraudulently added to my XXXX and XXXX reports. Chase informed me that the fraudulent application used my former address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX ( a secure apartment building ; the mailbox must be opened with a key ) which is presently occupied by XXXX XXXX XXXX according to voter registration records. I did not, nor did I ever authorize anyone to apply on my behalf for a Chase credit card, loan, or credit line on or about XX/XX/2023. To be clear : the credit card application submitted to JPMorgan/Chase on or about XX/XX/2023, was fraudulent and unauthorized by me. The application was submitted as a result of identity theft. By letter dated XX/XX/2023, which is attached herewith, I requested that Chase forward a copy of the fraudulent application to me pursuant to the FACT Act. My request included a copy of my state drivers license, and an initial identity theft report filed with the Federal Trade Commission. My XX/XX/2023, letter was mailed on XX/XX/2023, via certified mail to the address listed on page two of the attached Chase identity theft protection kit. The certified letter was delivered to Chase on XX/XX/2023, according to the USPS. A certified mailing receipt from the USPS and delivery confirmation information from the USPS website is attached with my XX/XX/2023, letter. I have contacted Chase several times via telephone and email concerning this issue. Chase has yet to acknowledge receipt of my XX/XX/2023, letter, much less send me a copy of the fraudulent application. The application is needed to aid in prosecution. I have attached an updated report filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX XXXX. This is a very serious matter that requires expedited processing. I need a copy of the fraudulent application to be tendered to me forthwith.
Consumer complaint received 2017-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has no consistent, real-time system in place. We have to constantly resubmit documents for remodification if our loan and the system says its still in process yet the account manager stated that it is not a reliable system and not real-time for the account status. She also stated that our remodification application was closed when we were previously advised that we would be contacted with an update on the outcome of the review. My husband and I were outraged to receive a preliminary foreclosure document delivered to our home on Thursday night XXXX/XXXX/XXXX. We never received this update that was promised to be communicated by Wednesday XXXX/XXXX/XXXX. Please help us!!!
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I 've contacted Diversified Consultants advise them the debt not mines disputed with equifax sent in a validation letter also sent one to the company via certified mail ... the debt was removed in XXXX on XXXX ... then recently the report to my experian report on XXXX XXXX i contact the collection agency and ask why was this remove then report to XXXX the collection agency advise me that XXXX are the one who report to XXXX XXXX.. At this point I was willing to pay a settlement offered XXXX for the bal under the condition that i received a email stating that it will be removed once the payment post ... the rep adv me she would have to see is that something that she can do she place me on hold ... .a  supervisor returned to the phone inform a settlement only 30 % off the balance and he not willing to negotiated this and to keep disputing it if i like ...
Consumer complaint received 2023-10-30
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. (GA)

I have previously disputed XXXX XXXX XXXX / Reference # XXXX with XXXX, Equifax, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I'm upset that I am having to file yet another complaint against NFCU and their mortgage division. I am in a difficult financial situation now since my spouse passed away and losing quite a bit of income. I updated NFCU as to my current situation I also speak for a few who feel bad they they are having trouble meeting their monthly expenses like I am. Today XX/XX/2023 I made my past due mortgage payment before it was 30 days late and reflected on my credit report as delinquent. After I set up the payment as I always do only to have it rejected with a notification to contact NFCU by phone to complete the process. I was LOCKED OUT of my account and could not process any payment online like I have every other time except once when I was late making my mortgage payment then but assumed it was not their common practice.especially after a lawsuit alleging the very same behavior a few years ago. Clearly NFCU is not concerned with their customers experience in making payment 's on their loan. I told the customer service rep how upset I was and she agreed that this practice is common and unfair. Additionally over the course of a few weeks NFCU called my cell phone a minimum of twice, sometimes 3 times a day every day which is quite a bit more than they are allowed to do by law.In fact they completely filled up my voice mail. I know I am late but to have them harass me on the phone especially while I am going through the grieving process after losing my spouse suddenly is too much to bare.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (FL)

I was denied from multiple homes and apartments because of an unlawful detainer case ( from XXXX years ago ) that was assigned to my file with SafeRent. 

It does not show up on my credit/consumer report or public records. I tried disputing directly with them and letting them know that there are multiple people in my county with the same first and last name. 

After sending them my dispute paperwork and emails, they told me ( less than 24 hours later ) that they verified the information with the court. However, after I checked with the court, there was no middle or last name associated with the case and there is no date of birth or social security number assigned to the case either. How was it verified? 

Our lease just ended on XX/XX/2023 ( on good terms ) and after paying around {$1700.00} in application fees and being denied EVERYWHERE we've applied, we reapplied to the apartments we literally just lived at for the past 7 years and were denied!!!! My family and I are literally homeless right now because of SafeRent. 

SafeRent 's ultimate solution was for me to just wait until it fell off my file in 6 months. Where are we supposed to live until then?!?
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for IC Systems.
Consumer complaint received 2023-10-31
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: DISCOVER BANK (NY)

I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
Discover Bank XXXX With XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX Upgrade XXXX XXXX, XXXX and XXXX
Consumer complaint received 2023-10-31
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. (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 XXXX  Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n 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 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I've called MOHELA multiple times in XXXXXXXX XXXX XXXX XXXX XXXX  ) to get my recertification cancelled. I received an e-mail from US Dept of Education earlier in XXXX to re-certify to qualify for the SAVE program, which will offer the lowest payment amount for my students loans. However, I found out right after submitting my request that recertification is NOT required until XXXX and my monthly payment on the SAVE program will be significantly higher ( previous payment amount was around {$160.00} and with the SAVE program, it is almost 3x the amount ). I called and talked to a rep the very following week ( as recertification was completed on XX/XX/XXXX, Friday ), was told that they will cancel the recertification and I will be remained on my previous IDR plan. I called the next day ( XXXX ) again to get reconfirmation and they reassured me that the cancellation for recertification was on file and to call back in a couple of days. I repeated the process on XX/XX/XXXX and I was relayed the same information as they were still working on the cancellation. A week later, my account was updated with the SAVE program with a new payment amount of {$420.00}, which is almost 3x the previous amount. I immediately called again and inquired about what happened. MOHELA representative told me that the recertification is in process to be cancelled. It has been almost 2 months, I've been on hold for hours and hours on end with no success of getting a representative on the line. No change has been made and my account is still showing the SAVE program with the new amount that's due in XXXX. I just want to go back to my old IDR program and monthly amount until I have to re-certify next year ( XXXX ) with my updated tax information then. As MOHELA have told me they will do but failed to do so! PLEASE!!! I've sent messages to MOHELA as well and they reply back days later to call their number. I have TRIED to call and been on hold for hours and been hung up on.
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.
Consumer complaint received 2023-10-30
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. (MI)

This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-31
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)

I have sent several disputes via mail, online and over the phone due to identity theft. XXXX and Transunion have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. XXXX and Transunion are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.
Consumer complaint received 2023-10-31
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX