davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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. (NV)

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. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and 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 2024-08-25
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

This pertains to a condo I bought and just sold in XXXX, TN. 
Lender : Shellpoint Mortgage Servicing, XXXX, SC. 

" Default interest '' @ 35 % equalling nearly {$25000.00} was charged to me when I missed a few loan payments this past year due to family emergency. I was never warned of this nor is the lender specifying what their damages are to support doing this, which seems highly unethical and possibly illegal to me as I had made up for it in paid penalties/late fees for missed payments. 

Lender has failed to prove/itemize their losses to withhold {$25000.00}.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

All accounts have been paid on time and are in good standing. Never late, never maxed out credit limits. XXXX lowered my limit on XXXX card ( XXXX ) and closed a different account. ( XXXX ) XXXX will say they have every right to do this but this is CLEARLY predatory behavior from a financial institution. They lure you in with easy to get credit cards, then completely destroy your credit rating by taking away credit limits or canceling accounts in good standing. This has a tremendous impact on credit scores. This is absolutely absurd that these companies have so much power to do whatever they want and to wreck our credit without consequences?! There needs to be government intervention or class action suit for these companies who are preying on the American people.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

This company has been contacting me for the last two months. Ive asked for proof of this debt, which they were not able to give to me. I returned a phone call. I was able to get them to send me a text message with information, which states that I Had an account with Citibank and I owed close to {$2200.00}. I asked for additional information because I have not had an account With Citibank and almost XXXX  years. They told me that this debt is from XXXX I tell them that the statute of limitations has expired and they tell me that that is not correct. I called Citibank Citibank is telling me they have no record with Citibank and almost XXXX years. They told me that this debt is from XXXX  I tell them that the statue of limitations has expired and they tell me that that is not correct. I called Citibank Citibank is telling me they have no record of me owing them this money, this company is threatening to put a hold on my bank account. They are calling my job. They they are calling my family and I need some help.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One filed a lawsuit against me without any written notice or communication. I requested validation on XX/XX/year> by certified mail. I received response from the said attorney by USPS mail on XX/XX/year> dated XX/XX/year> with insufficient validation. The lawsuit was filed on XX/XX/year>. The only way I found out about the lawsuit was through mailed attorney advisements, none came from Capital One 's attorney XXXX XXXX XXXX XXXX. My consumer rights have been fully violated.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CORELOGIC INC (TX)

I signed up for a credit repair service to improve my credit scores in XX/XX/year>, however due to the lack of results, communication, & poor customer service I requested to cancel the service by telephone, e-mail & two follow-ups with one of their representatives twice in XX/XX/year> and then once again earlier in XX/XX/year>. I still was billed {$150.00}, which now has forced me to have my bank open an investigation into this company to confirm that I requested the cancellation of their service. I most likely will have to have a new debit card issued because of this company 's lack of properly updating their records. This is totally unacceptable, & should never have happened in the first place. I will never do business with this company again, & I'm upset about the principle of the matter. You can reach Credco at XXXX.
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AZ)

On XXXX, XXXX 2024, I was sent a letter from XXXX saying my holder, Mohela, would discharge my loans for my 100 % XXXX  service connected permanent and total XXXX. To this day, 174 days later, the loans have not been forgiven. The temporary forbearance has ended and the only reason I haven't been forced back into the monthly payments yet is because make so little money that the pay as you earn plan I'm on has a zero dollar payment right now. On my last phone call with Mohela, they said I would have to start making payments again this XXXX when my annual renewal for the different payment plans changes. At this point XXXX cant tell if XXXX forgiveness is a joke or not.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

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 : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian on several occasions disputing an account that I specifically asked Experian to investigate thoroughly to verify the alleged XXXX XXXX account # XXXX for {$810.00}. If it is not verifiable, I request the removal of the account. The last two times, Experian sent updated credit reports stating the accounts were verified as accurate and the accounts were accurately reported by the data furnisher. 
I proceeded to do my due diligence and contacted XXXX XXXX requesting debt validation of an account ending with XXXX. 
There is a total of two letters specifically that XXXX XXXX sent about the alleged account ending in XXXX. ( see attachment to this complaint ) In the first letter, XXXX XXXX indicated they did not know if an application was taken over the phone or the Internet and that they couldnt provide evidence of supporting documentation to validate the account to me. Letter-2 for the account ending in XXXX, XXXX XXXX indicated they allegedly received an application via the internet and stated dates and amounts in the letter that do not match what has been recorded on my Experian credit report. In addition, they allegedly stated the account was opened with a valid contract but could not provide a paper copy to send me bearing my signature. 
I took the liberty of going to the Experian website to upload these letters and received a message that stated : You have previously disputed this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. 
However, it would not allow me to upload the documentation via the online dispute portal. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( 5 ) ( A ), I am entitled to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. If, after the reinvestigation, the disputed information is found to be inaccurate or can not be verified, the credit bureau must delete the information. According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), XXXX  XXXX was not able to validate the account. This is questionable as to why Experian would state under their investigation that the information you disputed has been verified as accurate. How can Experian say this account is accurate when one, the creditorXXXX XXXX can not validate the account belonging to me by providing me with copies of any documentation associated with this account bearing my signature? And two, there are inconsistencies about the payment history on the letter then whats reported on my Experian Credit report. This is defamation of character and a violation of the Fair Credit Reporting ACT.
Consumer complaint received 2024-09-28
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. (NY)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$1400.00} XXXX  XXXX Account Number : XXXX Balance : {$3300.00} XXXX Account Number : XXXX Balance : {$0.00}
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

UN-AUTHORIZED ACCOUNTS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX y XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with XXXX, XXXX XXXX, and Bank of America before all this happened. In reference to Bank of America, I was dealing with the death of my XXXX XXXX  when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times moving forward. I filed a total of THREE re-reviews and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX  report but XXXX XXXX XXXX as well. To be treated like the accuser instead of the victim is sickening to me.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a deposit in my account they bank verified the deposit and everything cleared they then put a temporary lock on my debit card and then they notified me that they were just going to close the account and send me a check for a month now they have been holding my money and pushing back the closing date back everyday.
Consumer complaint received 2024-11-14
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: Atlanticus Services Corporation (OK)

I was bated by an apartment community that took my money and their negligent by not communicating for a week long and charging unreimbursable costs. I should not be liable for a company and or person who does not do their job and has a coworker lie for them also. I was told to apply for an apartment and pay 2 fees/costs and after doing so the property manager stopped returning phone calls and emails BOTH, over a weeks time ( 5 plus attempts ) after I paid. The credit card company says they will not support the dispute. Based on what? I have emails sent and not responded to as well 4-5 phone calls not returned which led to the process stopping altogether. I would have not paid if I knew they were not going to follow thru afterwards. The credit card company can not possibly have any substation to the contrary. I did not get the services as described and that is the basis of my complaint against the CREDIT CARD COMPANY, Aspire.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

Since XX/XX/XXXX I have not been able to access My checking and Saving accounts throug the online banking services and the app. Therefore since then I can not make transactions as tranfers, XXXX, wirhdrawals. The only let me use the checks and My debid card. Which is not fair since I AM a client since XXXX.