davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FISERV INC. (OH)

I have identified a fraudulent transaction from XXXX in the amount of {$4400.00}. The transaction ID is XXXX, and the cashier listed is XXXX XXXX I have contacted the company to obtain a refund. XXXX XXXX XXXX instructed me to contact my financial institution.
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my US BANK Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (KY)

Request for Security Freeze on Credit Report To Whom It May Concern : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

This account is not mine/I have no knowledge of this account/I have never opened an account with this creditor. 

I have disputed this collector for a few years and they refused to remove this from my credit report. I never signed any agreement or gave any of my personal information to this company. They keep reporting on my credit account though I owe them nothing.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.
Consumer complaint received 2024-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Due to my illness and death of my spouse I had fallen behind on my mortgage payment. I sought assistance from my local Legal Aid Society with funds to assist with the past due balance. The funds covered my payments for XX/XX/year> through XX/XX/year>. The bank confirmed with Legal Aid on XX/XX/XXXX that they were in receipt of the funds. I planned to resume on time payment starting XX/XX/year>. I received a notice from the bank that funds were received on XX/XX/XXXX but not applied to my mortgage because the amount was not the full amount due. The bank confirmed receipt of funds XX/XX/XXXX with Legal Aid not XX/XX/XXXX as quoted to me in writing. I also received a letter from a foreclosure collector that I could no longer speak with the bank and that I would have to pay extra fees within 10 days to reinstate my mortgage. Further told that every 10 days the amount would increase. I don't have over XXXX to add at such short notice to save my home. I have been in my home XXXX plus years.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (UT)

There is an account on my credit report that is not mine and the address and phone number attached to them are also not mine. I have never lived in that state or shopped at those stores SYNCB/Ashley Homestore XXXX {$8000.00} opened XX/XX/year> is charged off.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-09-04
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

I am writing to file a complaint against Discover regarding a charge-off reported on my credit report. The account in question was opened on XX/XX/2022, and the amount charged off is {$2300.00}. 
This charge-off is adversely affecting my credit report, and I have been unable to resolve the issue directly with Discover. As the original creditor, Discover is responsible for issuing a 1099-C form. To date, I have not received this form, which is required for accurate tax reporting. 

To underscore the seriousness of my request, I am prepared to file IRS Form 3949-A to report potential tax discrepancies if Discover fails to comply with my requests and correct their records.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: ACIMA CREDIT, LLC (MD)

My husband and i both opened accounts with Acima. Me, XX/XX/XXXX. XXXX, XXXX XXXX, on XX/XX/XXXX. The experience has been horrendous. We were attempting to take advantage of the 90days same as cash but due to Acima doing unauthorized withdrawals, they constantly overdrew our bank accounts causing nsf fees. Then would apologize and send the money back with out the fees. Now, we owe waaaaay more than what we originally borrowed and it seems so unfair to me how they do business.
Consumer complaint received 2023-08-31
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$270.00}.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 Accounts : XXXX  XXXX, XXXX XXXX, and Capital One Bank 15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, Experian, XXXX are consumer reporting agencies, and I am the XXXX. I am aware of the importance of accurate reporting for both consumers and creditors, and I am disappointed that my concerns have not been appropriately addressed. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I need the current ADDRESS that is a NON-MAILABLE ADDRESS removed XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the only mailable address I can receive correspondence to. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Ive attempted to speak to Experian about having the address removed and they have refused to do so and continue to report inaccurate information after Ive spoken to them. I request Experian immediately report the correct address on my credit report! Thank you!
Consumer complaint received 2024-09-04
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-11
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)

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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2024 I deposited a check of {$1000.00} into my Capital One Checkings Account. After depositing the check I received an email stating that the check was successfully deposited and that I could destroy my check meaning it was able to be spent at that point in time. Assuming that the checks were valid and I could spend them, I went ahead and spent it. I then deposited another check for the same amount the next day into my Savings Account and it also was deposited successfully as stated in an email sent from Capital One. XX/XX/2024, the day after the check was fully available I received an email from Capital One saying that my account was in the negatives. When I logged in the view my account I was prompted to call Capital One for further information. When I called I was informed that the checks I deposited reversed after successfully being deposited in my account which put my account in the negative 's. Unfortunately, I ended up finding out the person who issued the checks to me scammed me. After acknowledging that my account was negative {$890.00} I then proceeded to ask what the next steps were. I was informed by the representative that my account would be closed and that the negative balance would be withdrawn from my savings account which had {$1600.00} in it prior to the negative balance being deducted from it. Leaving me with {$720.00} in my savings account after the negative balance was taken from it. My last paycheck of XXXX from my job ended up going to the closed Checkings Account ( I was emailed by Capital One on XX/XX/2024 stating that my account was closed ) That check was moved to my Savings Account by Capital One which then made my savings account balance {$1300.00} because my check was {$600.00} Currently there is {$1300.00} remaining in my savings account but I am unable to withdraw my funds due to my account being under investigation. It has now been 2 months ( Today is XXXX, XXXX XXXX ) and I have yet to recieve the check I was told would be issued to the address linked to my account. I havent gotten any updates whatsoever and this financial institution never has answers to my questions when I call. Everytime I call Im given the same response, there is no time frame on when you will recieve your check. However, Capital One didnt waste anytime collecting the money I owed them. Ive already paid the negative balance off and they still havent sent me my money. This process has been very frustrating for me and filing a complaint was my last resort. I hope that this can be resolved because Ive had plenty of patience up until now. I feel that this process should have been handled completely different and I also feel as though Capital One could have communicated better with me as a customer. I feel as though my time has been played with and this institution has not taken my case serious at all.
Consumer complaint received 2024-06-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TN)

It has been brought to my attention that my father has been paying for XXXX homeowners insurance policies with the company called Freedom Mortgage and I believe that they are taking advantage of the elderly. I have attached the letter. Stating that he gives me permission handling his accounts with Freedom Mortgage letter is attached. I also attached proof that he has been paying for XXXX homeowners policies, XXXX through. XXXX XXXX and the other one is XXXX XXXX. I have called XXXX XXXX and had cancelled them and stated that they will need to refund the payment from XXXX for the year 2023 and 2024. I also submitted a letter to Freedom Mortgage asking them to opt out of the escrow and they have declined. My dad has been a client with them since 2017. And has not been laid on any payments. There is no. Information. Regarding why they declined to cancel the escrow, but I believe it's to continue. Raising his payments, which originally was {$1500.00}, {$1600.00} and now {$1700.00} within this year almost {$1800.00} a month. I'm wondering if there's any way that you guys can help so that he will not have to continue paying this escrow. We will be able to handle paying the insurance and property taxes ourselves without the help of freedom.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"