davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

I had a loan with XXXX and it was sold to Freedom Mortgage. During the sale I was never notified and was not aware of anything going on. I continued to pay my mortgage payment to the XXXX. by the time I figured it out I was late on a payment. I paid it and explained to them that I was never told. Since then I have continued to ask them for a account and transaction history including a running balance but they never give it to me. They keep sending me the wrong thing. I have been requesting this for over a year. I need this because I do not believe they are applying my payments correctly and there is no way for me to check with out that information. there customer service is horrible. you can never speak to anyone. it seems that all of there departments are not customer facing and everything you ask for has to be put in a request that never gets done. I have asked to speak to people higher up and get the same response. let me put in a request. I have never had this much trouble with a mortgage service company ever. I really wish they would sell this loan to someone else. It is absurd that mortgage company 's are allowed to sell loan any random company that does not have the same values and customer service as the company you made the loan with.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PR)

National Credit Systems, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX reported a collection debt opened XX/XX/XXXX for their client XXXX XXXX XXXX in the amount of {$2100.00}. 

This account does not belong to me and I do not have any responsibility for this debt. i have never done any business with XXXX XXXX XXXX, nor signed any lease agreement with then. I was in XXXX  XXXX in a XXXX  in Puerto Rico from XXXX through XX/XX/XXXX ( 6 yrs. & 6 mos. ) I have never lived in the State where this property is located. 

Here with I am providing documentation as proof that I was in XXXX  in Puerto Rico during the time this account was created. I have disputed 4 different collections account on my credit reports from XXXX, XXXX and XXXX, and three of them have been removed as well as inaccurate information ( addresses, names ).  The only collection agency that refused to removed the collection debt is National Credit Systems, even though I have provided strong proof. 

I have also written to the creditor XXXX XXXX XXXX and collection agency involved with no results at all ( attached certified letter with proof of deliver. 

I am trying to get my life in the wright direction but with this credit issues are causing me financial injury as well as making things difficult for me in the job search, etc. 

Hope you can assist me, Thanks so much.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 Bureaus, 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 30 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 immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-09-18
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. (CT)

I DONT RECOGIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (NJ)

I reviewed my consumer reports in XX/XX/XXXX and noticed ( XXXX ) XXXX XXXX account I did not give authorization and I also noticed multiple inaccuracies. The consumer reporting agencies have a responsibility to report consumer information to be accurate. I provided the certified mailing tracking documents and the credit report showing multiple inaccuracies- date opened has different dates, high credit has different amounts, date of last activity as well XXXX date of last payment. 15 USC 1681 eb states credit reporting agencies must be compliant shall maintain reasonable procedures designed to avoid violations and consumer report must be accurate or the account shall be deleted/removed. As you can see I also attached a recent report dates XX/XX/XXXX and the information- credit reports still have MULTIPLE INACCURACIES. PLEASE REMOVE THESE ( XXXX ) XXXX XXXX ACCOUNTS. I attached my passport and utility bill.
Consumer complaint received 2024-05-28
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. (DE)

I have multiple accounts reporting adverse information. I would like to opt out of this information being publicly displayed on my credit report for other companies to see. According to the XXXX XXXX XXXX act and as a federally protected consumer I am well within my rights with this request. There are also collections agencies reporting things on my report that of things I have no knowledge of.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (PR)

Equifax is still reporting these negative accounts on my credit report : 2. XXXX XXXX XXXX - Date Opened : XX/XX/2019 - Phone # XXXX - Balance {$3600.00} 3. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$4700.00} 4. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$820.00} I called each one of these companies and they did not recognize me in their database. I even have 3 open accounts with XXXX XXXX and 1 with XXXX XXXX. 
They also said there those accounts belong to another XXXX XXXX who has almost the same social security number than me, except for one digit, but he has the same name as I do. 

These discrepancies are only reported on Equifax. 

Also, Equifax reports an address in XXXX, XXXX  that does Not belong to be or ever has. I would not be surprised if it belongs to the other " XXXX XXXX '' with almost identical social security number than me.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX  XXXX account # XXXX Account : XXXX Account # XXXX Account : XXXX Account # XXXX Account : US DEPT ED Account # XXXX Account XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. 
Resources
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX XXXX  I contacted CHASE bank to report problems with my checking account. I was unable to make deposits, withdraws, transfers and my debit card was declined. My account had a balance of about {$3800.00} but they froze it without warning. 
They informed me that there was an issue with a XXXX XXXX I had deposited ( {$370.00} ) into my account. It was difficult to read. They instructed me to take the money order to my local branch and have the problem rectified. 

I brought the money order into the local branch. The representative reviewed the money order and then called someone to have the issue fixed. 

That representative informed me that they were closing the account immediately and even though I had a balance of {$3800.00}, they refused let me withdraw the funds. They told me that they would issue a cashier 's check withing a few weeks. 

They gave absolutely no warning or notice of the closing and refused to provide me with a reason.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANCO POPULAR DE PUERTO RICO (PR)

APPLIED FOR A CREDIT CARD WITH BANCO POPULAR DE PUERTO RICO, REGION/DEPT, XXXX XXXX XXXX PR, XXXX XXXX XXXX, XXXX XXXX XXXX. TEL XXXX XXXX application # XXXX. APPLICATION WAS DENIED BECAUSE OF MY Age [ XXXX XXXX ] ONLY BECAUSE I WAS LATE PAYING A CREDIT CARD WITH XXXX ONLY TWICE BECAUSE I DID NOT RECEIVE THE PAPER STATEMENT. I AM NO GOOD WITH TECHNOLOGY AND NOW MY DAUGHTER REGISTERED THAT THE PAYMENT BE MADE AUTOMATICALLY FROM MY BANK ACCOUNT.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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 XXXX XXXX XXXXXXXX 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 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
US Bank XXXX
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

Our mortgage was serviced by XXXX for several years after being sold by XXXX. We had some financial difficulties and requested a loan modification. They agreed and I sent a check that didn't clear. At this time I had opened a new bank account. SO, when I saw that the check didn't clear I called and requested they take the money from my new account. Well, the rep didn't verify my checking information and they tried to take it from the old account. So, they wouldn't let us continue. They filed for foreclosure. It was due to go to auction on XX/XX/XXXX, but it didn't sell. So, now we are being serviced by a company called Selene, LP. They haven't tried to reach out and work out a solution. I understand we now have another pending auction for XX/XX/XXXX. I want to know who can legally foreclose at this point? I plan to submit loan modification paperwork to Selene tomorrow.
Consumer complaint received 2024-06-05
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. (TX)

I am rewriting to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by TransUnion, XXXX, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) TransUnion, XXXX, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). 
Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe.

Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days.

15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. 
Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by TransUnion, XXXX, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of TransUnion, XXXX, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX