davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (SC)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (PA)

My mortgage company will not let me make additional principal-only payments on my mortgage. 

I am trying to make an additional principal-only payment on my mortgage. I prefer to do this weekly so the money is out of my checking account so I'm not tempted to use it on other things. I'm trying to get out of mortgage debt as soon as possible. 

I have autopay setup to pay my loan balance in full on the XXXX of each month. My payment isn't considered late until the XXXX. I am paid bi-weekly so sometimes I don't have money in my account for the first week or two of the month to pay my mortgage, which is why I have been faithfully paying on the XXXX. My payment history reflects this and I have never been late or otherwise delinquent in 4 years of paying mortgages. My credit report will reflect this. 

My new mortgage lender, Mr. Cooper, has a company policy that they will not take additional principal only payments until my account is current. I tried engaging with them in a chat about this, but they confirmed this is their company policy. 

This feels like an unfair lending practice because I just want to pay my mortgage off faster so I'm not accruing interest. I have {$190.00} this week to make an extra payment. When I get paid on Friday, I'll have the money in my checking account to cover the payment coming out as scheduled on the XXXX. I want to make extra principal payments, even when I don't have the full mortgage payment in my account because I want to pay my loan off early. 

Since this is a company policy and not a law they're bound to follow, I think they should get rid of it so I can pay my loan off early. It feels like they are trying to prevent me from paying off my mortgage early, even though there aren't supposed to be early payment penalties. Not letting me make a payment early feels like a penalty and therefore a breach of contract.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I dont recognize these accounts in my report. I am requesting the following information be deleted from my Early Warnings Consumer report immediately! I have attached a copy of the report to this request. 





Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

1st company information : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number : XXXX Balance : {$570.00} on XXXX Balance : {$570.00} on XXXX XXXX : {$570.00} on XXXX STATUS Date on XXXX : XX/XX/2024 STATUS Date On XXXX : XX/XX/2024 STATUS Date On XXXX : XX/XX/2024 Each credit bureau have different information about this account which is validating my rights as a consumer. Im requesting that this account be removed from my credit report immediately
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-05-10
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. (NV)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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: MoneyLion Inc. (WA)

I recently mailed out a letter to Money Lion disputing a charge off account reporting on my consumer report, i requested this account to be deleted and no effort was made to remove this account, As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes youre reporting of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2023-08-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (CA)

Hello I filed covid 19 with veteran 's united homes loans, they sold my loan to a debt collection agency, now XXXX XXXX XXXX is asking for the lump sums of money during my covid 19 hardship I was experiencing during my loan through veterans united home loans. How can a company do this during a hardship situation. I had my car reposed during this time also, was behind on all my bills during the crisis situation. I currently started working again this year in XXXX, 2023
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

- On XX/XX/XXXX, at XXXX XXXX XXXX I woke up to an e-mail saying my account with Chase was restricted and my debit card blocked. I called the number I was told to call, and they told me Chase had decided to end the relationship with for reasons that would be later addressed on a letter, and that the funds would be made available to me in a check sent to my address. I tried to reason with them to understand what was the issue with the account and explained that I had no other bank account and no other funds available to me in order sustain myself here. That was the only bank account that I had and those were the only funds available for me to pay rent, pay for food, etc. 

I was not able to withdraw a single penny from my account and I have no information on what happened.
Consumer complaint received 2024-06-03
Product: Mortgage — USDA 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: Village Capital & Investment LLC (MO)

XXXX Put XXXX XXXX XXXX ) Application in. 
XXXX Spoke with Village Capital informing them that I put in a XXXX application to get full reinstatement amount plus 3 months mortgage payments going forward. 
XXXX Asked Village Capital to give a one-week extension on the foreclosure to provide XXXX more time to process the funds. 
XXXX XXXX and XXXX admitted that they and Village Captial were aware that I put in a XXXX application for funding. 
XXXX Called Village Capital again asking for a one-week extension, and they said NO. They also even if I came up with the money to pay them back on Monday, they would foreclose on me. 
XXXX I called XXXX again and they said they had been in contact with Village Capital, but they did not care. Village Capital told XXXX that they DENY receiving the money because " I had vacated the property and was no long owner occupied '' That was a LIE! I have proof-pictures of all my rooms in my home with stuff in them and I held up a newspaper to date stamp my proof. In fact, as of today, I still occupy the property and they are aware because they took me to court to try to get me evicted. The XXXX has shown almost XXXX complaints against Village Capital in the past few years, and XXXX complaints in the last few months. Why can Village Capital get by with this? I have a USDA guaranteed loan and they will get XXXX % of their money back and they get to sell my home for more money ... isn't that double dipping? I am a hardworking man and I want to keep my home! Why won't anyone make Village Capital do their job and be honest about it?? Please help me set things right! I have been working with a XXXX lady ( XXXX XXXX XXXX who can testify for me if necessary! Village Capital needs to RESCIND the foreclose and stripped of their Certifications to do USDA Guaranteed loans forever! That is criminal what they are doing!! 
XXXX They foreclosed on my home. This is not right!!!
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (AZ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX/2022 XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (IL)

Radius global solutions XXXX XXXX {$370.00} I don't know why this collection is on my credit report. I haven't done any business with this company. A collection doesn't suppose report open on a credit report. 
They don't have my signature nor did I sign a contract with this company.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

My daughter and I called Citi bank today around XXXX XXXX  ET to discuss options available to avoid defaulting on my credit card. Due to my health drastically declining, I am unable to work full time. This has resulted in a substantial loss of income. I am still current on my accounts but will not be able to make the payment in XXXX. Citi bank would not discuss or offer payment assistance because I am current on my account. When I asked to speak with a manager, they told me no managers are available on Sunday but I could speak with another agent. I said I would like to speak with another agent and she said to hold, then the line was disconnected. She also refused to speak with my daughter, who is helping me and I gave verbal consent for her to discuss my credit card situation with my daughter.