davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C (MI)

Debt pleading paper was submitted to debt collection agency, and debt collection letter sent for follow up for more information. Both documents were sent by certified mail on XX/XX/2024, collectors did not pick up mail until the XXXX. 

The company did not supply any of the requested information.
Consumer complaint received 2024-08-07
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. (PA)

I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXXXXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have asked Experian Credit Reporting Company to remove closed accounts that were fully paid off my report. I asked the same of the other two credit bureaus and they successfully removed them. Experian continues to have 5 closed accounts showing in my credit report. I have sent letters to them requesting they complete an investigation and remove them and they have not done so. The last two letters sent were on XX/XX/XXXX and XX/XX/XXXX. I have attached the letters and my Experian credit report as of today for reference.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (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 Discover 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 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (SC)

Before my mortgage was transferred from Rushmore to Rushmore Servicing, there was a prior lender fee expense of {$890.00}. On XX/XX/2024, I spoke with a representative from Rushmore Servicing and told her I was paying the balance of the prior lender fee, {$790.00}. They took the money and applied part of it as another mortgage payment, leaving {$380.00}. I called them several times but can't get a correct monthly statement. 
Please help me.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1992 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I have a certified email from Mohela Student Loans dated XX/XX/2023 that stated my loans were forgiven. In XXXXXXXX XXXX XXXX my wife and I started to receive emails that stated we would have to start making payments again. I have sent Mohela 5 emails and have called customer service over 20 times. I am extremely frustrated with the lack of care and concern with their service. I would deem this as cruel and unusual punishment. We have not been treated with dignity, honesty, or respect. I would call this inhumane. There is now research stating that this is done purposefully. I faithfully made payments for 10 years, and never missed a payment. ( I was threatened with language that I would lose my PSLF eligibility if I missed just one payment ). It is absolutely unprofessional to treat any human being in this manner. All phone calls are recorded with customer service representatives and I would love to listen to all the misinformation I was given. We have emailed ( XX/XX/2023 ) and documented my wifes 13 years of PSLF and have received zero communication about this. We have faithfully served and held our end of the bargain with our commitment. Why does Mohela get to keep playing head games with our livelihood? Mohela has made us feel terrible and insignificant.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I opened the Chase XXXX XXXX credit card in XX/XX/XXXX. I did not have a XXXX XXXX XXXX account at the time, but I was still collecting XXXX points noted in my monthly credit card statements. In XX/XX/XXXX, I had called Chase to transfer my XXXX points to my newly opened XXXX XXXX account. Since then, I have asked Chase and XXXX XXXX at least 5 times now to transfer the XXXX points from my monthly statements to my XXXX XXXX account. Chase confirmed that I had accumulated XXXX XXXX points through XX/XX/XXXX and had sent a letter in the mail confirming that they would transfer the points to my XXXX XXXX account. However, the only XXXX points listed in my XXXX XXXX account is XXXX ( points accumulated XXXX XXXX ). I have now accumulated XXXX XXXX points from XX/XX/XXXX through XX/XX/XXXX. I called Chase today informing that they have yet to update my Avios points despite the many escalations they claimed to request for this ongoing issue, and I had informed them that I am filing this complaint with the CFPB.
Consumer complaint received 2024-06-19
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. (PA)

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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I am writing to dispute the incorrect late payments appearing on my credit report issued by your agency. The erroneous details are as follows : List Incorrect Account Names with Late Payments XXXX. XXXX XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX. Auto Loan - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This letter constitutes a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The incorrect late payments negatively impact the accuracy of my credit report. 

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The incorrect late payments do not accurately reflect my payment history and should be corrected or removed. 

I kindly request that you investigate the accuracy of the late payments reported on my credit accounts, correct any inaccuracies found, and provide me with a free copy of my updated credit report reflecting these corrections. 

Failure to address this dispute may result in legal action as permitted by the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MN)

My login was compromised, and someone used XXXX to steal more than {$1200.00} from my account. Credit Karma has refused to issue provisional credit until ten days after the dispute is started. They stated on the call that sometimes they just close disputes with no reason.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (TX)

Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (GA)

I have called the creditor on numerous accounts to to advise them to update the information they are reporting on my credit report and instead of correcting the information they are reporting to the credit bureaus they added a false statement that said I was affected by a natural disaster. 

Please be apprised that American Credit Acceptance along with XXXX, XXXX, and XXXX directly violates the Fair Debt Collections Practices Act. by Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and according to 15 U.S. C 1681 Section 602 A. States I have the right to privacy and 15 U.S. C also states a consumer reporting agency can not furnish an account without my written instructions. 

I have enclosed the letter I mailed to the American Credit Acceptance along with a current copy of a partial copy of my credit report dated XX/XX/2023 with the disputed information highlighted.
Consumer complaint received 2024-06-19
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX  stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-19
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. (FL)

XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes.

20inquiries These lenders have accessed your credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (IL)

On or about XX/XX/year>, I sent a cashier 's check in the amount of {$230.00} to Money Lion Technologies. The details of this transaction are outlined in the attached letter, and it was clearly stated on the money order that if cashed, Money Lion agreed to accept the payment as in full and remove the account XXXX from all credit bureau profiles associated with my name and social security number. 

To my disappointment, the check was cashed on XX/XX/year>, and it has been 79 days since then. However, the account XXXX still remains on my credit profile, despite the agreed-upon terms. 

I kindly request your assistance in resolving this matter and ensuring that the account XXXX is promptly removed from all credit bureau profiles associated with my name and social security number. This discrepancy is causing undue stress and negatively impacting my creditworthiness.

I have made multiple attempts to contact Money Lion Technologies directly, but have not received a satisfactory response. Therefore, I am reaching out to your esteemed organization for support and intervention in this matter. 

Attached to this email, you will find a copy of the letter I sent to Money Lion Technologies, as well as proof of payment in the form of the cashed cashier 's check.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (NY)

We ( XXXX and XXXX ) XXXX refinanced a mortgage in 2013 and we have now been notified that our old mortgage at the XXXX XXXX XXXX still has a lien on our house. 

We are asking Chase for proof that the mortgage at the XXXX XXXX XXXX was paid off and we are getting no help from the branch and the XXXX  department. 

XXXX is where we have placed our request and they responded asking me for proof that the mortgage was paid off? 

I can't get anyone on the phone to help. 

XXXX XXXX XXXX