davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

This complaint is about SETERUS Mortgage Servicing Company based at XXXX XXXX XXXX XXXX, XXXX, and XXXX, OR XXXX. 
They took over my mortgage servicing in XXXX 2015, before I even got an invitation/introductory letter informing me about that they already served me with a bill demanding payment, while my old servicing company collected payment already from my account ( which was eventually returned ). 
And from then on it 's never ending harassment. I am bombarded with letters asking for all kinds of building insurances/policies, things I have never been asked for during 27 years I have been living here and owning the coop. Letters treating to buy insurance FOR THE BUILDING ON MY BEHALF! 
On one occasion they suggested that if insurance policies are not received they will buy some {$8000.00} property insurance and I will be charged for that PREMIUM. Another letter was sent to me stating that I will be charged premium of {$1400.00} for some other insurance policy. It 's just never ending game. 
I have called multiple times and explained that I have in all 27 years none of the banks or previous mortgage servicing companies asked me for any insurance policies. 
I have given SETERUS building management telephone number, fax number and Managers name so they can obtain all and any insurance policies they need, but they never contacted them. 
I had building management call SETERUS asking what it that they exactly need is, but STERUS refused to talk to them and said that they will not discuss it with third party. That THIRD PARTY owns this property/ residential building and that third party has insurance brokers that handle all insurance policies, but they would not talk to them. Every few weeks I would get another letter asking for another insurance policy, or stating that that policy expired and they will charge me for the one they will buy on my behalf. 
They had a nerve to charge me with {$1400.00} escrow balance added to my mortgage statement! 
Only when I called asking what 's that for and why they did it, they stated that it was just removed! 
They basically do whatever they want and play with my mortgage. 
I am appalled by it and can not believe this is permissible. 
Please note that I do own personal insurance of the coop, what they asking is BUILDING related insurance policies. 
Kindly please look into it. 
Thank youXXXX XXXX.
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. (RI)

To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX {$6.00}, XXXX bal {$380.00}, XXXX XXXX bal {$720.00}, XXXX XXXX {$4600.00}, XXXX bal {$0.00}, XXXX XXXX XXXX {$1600.00} XXXX XXXX R bal {$2400.00}.
Consumer complaint received 2024-09-21
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. (CO)

I visited a Chase branch at XXXX XXXX XXXX, XXXX, CO on XX/XX/XXXX at around XXXX to get something done. Then, the branch person I was talking to, whose name is XXXX, asked me if I want to upgrade my credit card. I had a Chase XXXX XXXX and knew that I would be automatically upgraded to Freedom Unlimited after one year upon staying in a good standing, so I thought he meant it was possible to proceed with the upgrade without waiting for a year. I expected the process to be something different from applying for a new credit card. 

However, the morning of XX/XX/XXXX I received a letter stating that my new application for XXXX XXXX XXXX was denied, and that was when I realized the application he worked on yesterday was the very same thing. I was confused and shocked because I thought my upgrade was already secured and I thought XXXX simply proceeded with the necessary steps, not a whole new credit card application. I even wondered if he was aware of Chases offer of automatic upgrade from XXXX XXXX XXXX  If he knew that, he could have added an question to avoid my confusion, such as I know your automatic upgrade is coming in a few months, but would you like to apply for Unlimited rather than waiting? In that case, I would have realized what he was trying to do and I could have said no. 

Since it is a weekend, Im still unable to call the Chases customer service.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC (NJ)

XXXX company list that i went into forclosure. I never did. I borrowed money to prevent that from happening before I was able to sell my house. This is shown only in XXXX report of XXXX. I sold the home well in advance of going into forclosure. I request that to be changed to an accurate standing.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp (IL)

A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (IL)

I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.
Consumer complaint received 2024-09-01
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-24
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. (CA)

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.

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-01
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. (TX)

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please remove these fraudulent inquiries from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request transunion XXXX and XXXX  to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Equifax Hard Inquiries FTC Complaint Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( XXXX ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency may furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-31
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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