davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a prepaid credit card. I can't spend any money unless I pay for it first I have to have the money on the card. There is no payment due on this card. It's prepaid so whatever I pay is all I'm allowed to use on the card. There is no credit, given to me on this card. So therefore they can not report a late payment. Because there are no payments cause I have no credit. It's pre paid they need to take that off my credit report.
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (GA)

This creditor should not be reporting on my credit report. There is no debt owed. 

NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$0.00} Open balance NATIONAL CREDIT ADJU Original creditor Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type - Responsibility Individual Remarks Paid collection Original creditor name NATIONAL CREDIT ADJU
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CO)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 
Barclays # XXXX
Consumer complaint received 2024-07-11
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. (GA)

XXXX and Transunion are reporting XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. I am a victim of identity theft and I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with either company and I have never lived at this location. They did not provide me with the original contract as requested. In addition, XXXX is being reported on my Transunion report in the same manner. This information on both reports is incorrect.
Consumer complaint received 2024-07-11
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 am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2024-07-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-Account : XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX  XXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # 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 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. 16815-2 ( 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 2024-07-15
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 requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

XXXX XXXX XX/XX/2017 {$1700.00}
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : ACCOUNT NO. XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Mercury Financial Intermediate LLC (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Mercury cc # XXXX
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I have submitted a package as requested prior to the seven day cutoff to review my loan for modification to Nationstar. They have confirmed receipt of the package and can only tell me that my loan is in review with the underwriter but have not placed a hold on the sale date of XXXX. I asked when I should expect the file be reviewed and they stated " within 30 days '' per XXXX ID # : XXXX. 

This is after my sale date that is scheduled. How am I supposed to plan for my future and living arrangements if I can not get a review done in a reasonable time frame?
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage loan servicer, NationStar, has repeatedly failed to process my mortgage modification requests. I have submitted EVERY requested or required document, in the time frame and manner requested by NationStar. Each time, NationStar has " denied '' my request stating that I did not submit the requested or required documents. However, this is false, and NationStar has never once identified any document that was missing or incomplete. Further, I appealed ( using the NationStar internal appeal " process '' ), and the appeal was denied, but the denial letter appeared to have been form-generated and contained no specifics about what information was missing or incomplete. NationStar has now filed a notice of default. I have told NationStar in writing on numerous occassions that I wish to resume payments to bring my loan current. NationStar appears to intentionally and deceitfully deny mortgage modification requests on the grounds of " incomplete information '' when in reality they have no intention of processing the request in good faith.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX Account number : # XXXX Account name : XXXX XXXX AUTO FIN. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX  Account number # XXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Consumer complaint received 2024-08-09
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. (NE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-11
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. (MN)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I charged one of my customers a total of {$9600.00} and wepay from CHASE close my account without asking for any documentation about the transaction. I was told I have to wait 120 days for them to release the money. I filed a request to refund the money back to my customer and I received an email stating that the refund was denied.
Consumer complaint received 2024-06-17
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. (OK)

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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

This is my final attempt to get your company to follow your duties under the law before I seek damages to the fullest extent. I have notified you on 3 separate occasions regarding this fraudulent debt yet you continued to report it without proper validation. I have submitted an Identity Theft affidavit and you still continue to report this debt as both valid and meeting FCRA requirements. This was not a request to delete this fraudulent information, it was a demand. I DO NOT OWE THIS DEBT! Your fraudulent reporting is severely damaging my credit and reputation to the extent that it is now affecting my business. I intend to escalate this matter to a court of law if this final attempt to rectify is again met on deaf ears and rest assured this is not an idle threat. I will seek damages to the fullest extent of the law PER VIOLATION.
Consumer complaint received 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

My student loans, and those of my wife, have been on the XXXX plan since the fall of XXXX. I have made regular on-time payments per the terms of XXXX the entire time. In XXXX of XXXX, during a routine check, I noticed my loan balances had grown. The Dept. of Education website on the XXXX plan states that due to the interest subsidy, balances should not grow as long as I make payments. I messaged Mohela and was advised that it is a timing issue ; that the interest will be charged off immediately after the next payment. Over the next several weeks, I monitored the accounts, and both continued to grow, even though I was consistently making payments. On XX/XX/XXXX, I finally got through to them on the phone and questioned a representative about the issue. She put me on a long hold to talk to a XXXX, and then told me that the only accounts to receive the subsidy are those who qualify for a {$0.00} payment. This goes against the information on the studentaid.gov website, which states : " The XXXX XXXX has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the XXXX XXXX prevents your balance from growing due to unpaid interest. ''
Consumer complaint received 2024-07-11
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. (GA)

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 : DEPTEDXXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX :
Consumer complaint received 2024-07-11
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. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (CA)

on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting via:1970 fair reporting act.
Consumer complaint received 2024-08-08
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: CITIBANK, N.A. (TX)

Checked my credit report today and behold there was a credit inquiry from Institution Information XXXX XXXX BEST BUY XXXX XXXX XXXX XXXX XXXX, SD XXXX whom I never authorized to check my credit report
Consumer complaint received 2024-08-08
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: CITIBANK, N.A. (VA)

Sears Mastercard by Citibank. 

XX/XX/year> : {$79.00} charge from XXXX annual account. I disputed the transaction for the second year in a row and the credit card company requested backup. As I do not have an account with XXXX I could provide no backup. As a result, the credit card company charged me for the transaction even though I told them via phone and on the computer that I don't even have an account with XXXX nor their parent company, XXXX.
Consumer complaint received 2024-07-14
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 reviewed my Consumer Reports and noticed that I had three 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 2024-07-11
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. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX  XXXX Account Number : XXXX