davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXXXXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX account number 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 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 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a capital one credit card and I was in good payment with this company always I owed XXXX and they decided to close my account for no reason and now are trying to charge me XXXX which is ridiculous I am absolutely upset by this considering I have never had this trouble with this company
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I closed on my new home on XX/XX/year>. My mortgage loan with PennyMac has a payment start date of XX/XX/year>. I have a PMI of {$93.00} per month because I made an 11 % down payment. 

Here are the issues I'm facing : XXXX. For my first mortgage payment, PennyMac charged {$180.00} for PMI, which is double the usual amount. When I inquired, they explained that they were charging for both XXXX and XX/XX/year>. However, my loan XXXX assured me that I wouldn't need to pay anything until XX/XX/year>. 

XXXX. By XX/XX/XXXX, I made an additional payment towards the principal, reducing my XXXX ( loan-to-value ) ratio to 75 % to avoid PMI. According to the agreement I signed, PMI should be removed automatically once my XXXX reaches 78 %. However, PennyMac is refusing to remove the PMI without a new home valuation, which they are charging {$150.00} for. Considering it has only been XXXX months, I don't understand why a new valuation is necessary and they do have home appraisal report at the time of closing. I am attaching the disclosure on PMI that I signed for your reference. 

Please let me know if I am misunderstanding anything.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (NM)

I went into BMO ( formerly Bank of the West ) on XX/XX/XXXX on XXXX and XXXX XXXX and I spoke to XXXX the bank manager about the information Bank of the West had listed on my XXXX XXXX report from ( XXXX during COVID ). XXXX would not listen and she kept looking at her phone. ( When she did listen she ended up calling another number on my Credit Report ) That was not associated with my account. I called XXXX XXXX and I asked her to speak to them as the information was not accurate. XXXX refused and I got upset and left. The manager from the BMO office on XXXX called me and told me to immediately close my accounts as they refuse to do business with someone like me. ( Her character was unprofessional, mean and nasty ). She refused to listen to me. Dated in XXXX on my report it says account closed for " Account Abuse ''. Don't know what that means as Bank of the West is closed. I remember during that time of COVID I borrowed {$600.00} from the Bank of the West..COVID hit and I got behind because I had no job. I did pay all monies, including penalties of {$1200.00} to Bank of the West. Life continued and I still banked with Bank of the West. I asked for a new checking account in XX/XX/XXXX due to ongoing charges coming out of my checking account without my permission. XXXX was kind to open a new account. I was immediately notified they were closing my account as of XX/XX/XXXX due to the information on my report from XXXX. 

The bank manager I spoke to on XX/XX/XXXX was mean and nasty and refused to assist me in rectifying this situation from XXXX. I know I am not perfect and I have had issues that have arisen and have had NSF fees on my account. I lost my husband of 25 years last XX/XX/XXXX. I have made many mistakes during the year. Grief is Horrible and the first year is foggy, confusing, scary and all the above. I do NOT owe monies to the bank. To be treated as I was and told by the bank manager on XXXX losing my husband was not her problem it was mine and again my relationship with the bank is over as they will not do business with a person like me. ( I am extremely upset ). To be treated with no respect and malicious intent was gross and disgusting. ( I did not commit to wire fraud or write checks all over town ) to be treated as such like I said is Disgusting. My accounts are closed and I will no longer do business with such nastiness. 

I have been to other banks and they treat you with respect and thoughtfulness. 

I hope you have the opportunity to re-train your staff about customer service and the importance of a smile, kindness, and how consideration goes a long way.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

EQUIFAX HAD A BREACH WHICH SEVERELY IMPACTED MY CREDIT. THESE ITEMS MUST BE REMOVED IMMEDIATELY!!!! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX AFFIRM XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

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 Human Trafficking 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 have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

This is my formal complaint to GOLDMAN SACHS AND CO. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (NY)

I used Wells Fargo Bank to make Payments for Monthly Bills and Mortgage Payments in XXXX, 2014 I was informed that payments was not received and they put in Foreclosure and I loss my home and many of Monthly Bill Payment was paid and the Wells Fargo was not able to give me copies of Check of Bill Payments is this legal. 

The account was old account I used be XXXX  XXXX Account which Wells Cargo taken over Cashier and I had pay fees and services with this account.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (AZ)

On XX/XX/year> an unknow transation was debit to my account for the amount of {$130.00}. I called the financial institution called Moneylion and they cancel my debit card and sent me a new one. Now they sent me an email saying the transaction was corrected and that the credit they initially gave me will be reversed when I never hear of the merchant called XXXX XXXX XXXX and never authorized this transaction. Moneylion is not protecting their consumers as they are allowing fruadulanet activity to take place without giving the protection for the consumer.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX  Southwest Credit Systems XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information in my credit report and that you keep verifying this account when it is clearly inaccurate. This letter serves as a DEMAND to validate this account : Southwest Credit Systems : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you can not provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying, and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without giving me all the items listed, you will violate the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

XXXX XXXX
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (MA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-03
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. (NY)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (SC)

I applied and received a Platinum Citbank XXXX XXXX XXXX  credit card last year. I never used the card and do not plan to do so, and closed the account last week. I was told by the phone representative that the annual fee would be erased and nothing more was required. However, I continued to receive daily phone calls from Citibank leaving messages saying it was about my card and when I called back, I was told they were calling " to collect a debt. '' I had to speak with three different representatives to get it cleared up. I finally spoke with someone today named " XXXX '' who confirmed the fee was erased.The first twXXXX representatives with whom I spoke claimed I still owed the fee and offered to collect it over the phone. This seems extremely shady and has altered my opinion of Citibank forever.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA Section 606 ( b ), it is illegal to include information on my credit report without my explicit permission. Additionally, according to 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written consent. These provisions are in place to protect consumers from unauthorized and fraudulent activity, ensuring our right to privacy as stated in 15 U.S. Code 1681 ( a ).

The following entries on my credit report were made without my authorization and appear to be fraudulent : Date Company Category XX/XX/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 I did not authorize any of these accounts or transactions. As such, these entries constitute a violation of my rights under the FCRA. I request that you immediately investigate these fraudulent activities and remove the unauthorized entries from my credit report.

Please provide me with written confirmation of the removal of these items as soon as possible. If you require any additional information to investigate my claim, please contact me at the address or phone number listed above. 


Note i do not want to activate any theft protection at the moment with any of this companies XXXX, transunion or XXXX DO NOT, I dont see transactions or any accounts actually open except for unauthorized unknown inquiries.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

Long story short my mortgage was purchased by Green Tree Financial from XXXX XXXX XXXX and Gree Tree Financial did not honor the existing modification from XXXX XXXX XXXX. Green Tree Financial is now forcing me into foreclosure.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.