davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

In XX/XX/2024, we opened a XXXXXXXX XXXX XXXXXXXX credit card ( serviced by Synchrony Bank ) that offered 0 % interest on purchases for 18 months. On XX/XX/2024, we received a letter from Synchrony Bank that they intend to charge a {$1.00} per month for a monthly paper statement and that they intended to charge a 2 % Promotional Fee on purchases to our account. While we were able to pay the remaining balance and close the account, for anyone not in a position to do that would incur unexpected fees and interest charges with little warning. They also charged a late because we did not provide a payment ( we were not obligated to make any payments for 18 months ). This company appears to suck you into a great no interest for 18 months then charge you late fees for not making any payments which they claim to be waived for the initial 18 months. Please call if you need any further information.
Consumer complaint received 2024-05-15
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-20
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: GOLDMAN SACHS BANK USA (TN)

I am writing to formally dispute the inaccuracies of the closed accounts listed on credit report. After reviewing my credit report the information regarding this closed account is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy.
Consumer complaint received 2023-11-01
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 2024-05-15
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. (AL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (NV)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX 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 supposed to modify accounts that aren't reporting correctly. 

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 2017-01-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

since XX/XX/XXXX XXXX I have been working with my mortgage co. Nationstar. THE AGREEMENT WAS TO LOWER OUR MONTHLY MORTGAGE PAYMENT AND LOCK IN OUR INTRESET RATE AT 4 %. We went thru the XXXX California program for the funding of {$51000.00} that was paid to Nationstar on XXXX/XXXX/XXXX to pay down my principal balance to lower my monthly payment.This process took from XXXX XXXX to XXXX XXXX I would call to get an update I was told it is pending, it is in process, I was never told that any other paperwork was needed. I called in XXXX XXXX to get an update in my new monthly mortgage payment I was given the same monthly amount before the principal reduction payment. when I told Natonstar XXXX this is NOT CORRECT I was told that I needed to request a RECAST. I told Nationstar for the last 4 months I called for updates I was told it is pending from XXXX XXXX to XXXX XXXX. I called XXXX California for their help and I was told to handle it with Nationstar.. I have tried to get in touch with the recast dept.you cant reach them by phone. I have to leave a message or have someone within the company E-Mail them, so we play phone tag. I have filed a complaint with Nationsta NO response to date.Nationstar has had me contact several different depts. that cant help so this has taken too long and they have given me a final date of XXXX/XXXX/XXXX to have the recast paperwork in. Thanks for your time hope to speak with you soon ( My work days and hours vary from day to day )
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Consumer complaint received 2023-11-01
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. (AR)

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 3rd party. They in fact did not come from a 3rd 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-01
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. (TX)

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX Late Payment {$730.00} XXXX XXXX Late Payment {$100.00} XXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$7300.00} XXXX XXXX XXXXXXXX Charge-off {$5600.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I DONT RECOGNIZE THIS INQUIRY XXXX  XX/XX/2021 I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-02-17
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

This complaint is against Nationstar Mortgage LLC DBA Champion Mortgage. On XXXX XXXX, XXXX, my husband and I paid off our Champion Reverse Mortgage loan by refinancing the loan with a forward mortgage from a XXXX XXXX. We ( my husband and I ) took out the reverse mortgage in XXXX because we were not able to get a forward mortgage from any bank. We received a lump sum payment from the original lender ( XXXX Mortgage ) and made payments every month to XXXX Mortgage and then subsequently to Champion Mortgage to keep our total loan balance from growing exponentially. Even though payments are not required on a reverse mortgage, we opted to make payments. Our payments consisted of interest, and mortgage insurance premiums, with a letter attached explaining how we wanted our payments applied. In XXXX we had to file a complaint with the CFPB regarding our XXXX form for XXXX, we filed a complaint again in XXXX regarding our XXXX form for XXXX, and now again in XXXX we are filing a complaint regarding our XXXX form for XXXX. I sent a letter to Champion Mortgage on XXXX XXXX, XXXX ( 4 months after payoff ) asking for answers to several questions ( copy enclosed ). I received an incomplete response around XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received the XXXX form for XXXX, and it is wrong again! On XXXX XXXX, XXXX I emailed the Customer Relations person at Nationstar Mortgage ( copy of letter emailed enclosed ) requesting a new corrected XXXX form. 
Since Champion Mortgage has all the documentation they need to produce a proper and correct XXXX form for me, there is no excuse for their delays and untimely responses. Maybe when they receive this complaint from the CFPB they will respond appropriately.
Consumer complaint received 2023-08-28
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. (NY)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , NY XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX XXXX : - XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - NOT XXXX XXXX, NY, XXXX Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-10
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. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, the accounts numbers XXXX XXXX the company XXXXXXXX XXXX XXXXXXXX the total debt is {$9100.00} has violated my rights. Pursuant to the Fair Credit Reporting Act, Section 1681i ( a ) ( 5 ) ( B ) ( iii ) ( III ), you are obligated to include my statement in any subsequent consumer report that includes the disputes information.