davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (NY)

The credit card company is Prosper card and XXXX XXXX XXXX I didn't have a chance Prosper closed my account and I couldn't Pay my account like I do all of my credit card, they was asking me for to much information over the phone when they only needed the last XXXX of my social and the last XXXX of my credit card, Prosper wanted me to give them my full name and address my social security number and refused because you don't know who is listening on the the line, I MEAN IDENTITY THEFT IS REAL YOU NEVER KNOW WHO IS LISTENING ON THE LINE because of that they close my account and I only owed them {$500.00} and I wanted to pay it all off but I couldn't because they closed the account and now they are turning it over or have turned it over to collecting as i try maintain my good credit. 

XXXX XXXX XXXX  I kept paying the hundreds of dollars and my balance kept going up i was wondering what is going I was down to {$700.00} dollars and it went back up to {$1000.00} quickly they never contacted me because I stop paying because the more I was paying the more my balance was increasing i was wondering where my my was going I have statement her to prove what I am saying and they just close the account no notice by letters email or phone call I tried calling them my number was Block please help I do want to pay off these account I don't want to ruin my credit I am trying every day to better my credit please let me hear from you I wrote FTC about XXXX or XXXX weeks ago and I haven't heard anything from them they had supposedly turned the email over to CFPB but I haven't gotten no reply thank you and God Bless.
Consumer complaint received 2024-01-23
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-09-23
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)

back in XXXX  and XXXX  The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
Consumer complaint received 2024-01-23
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)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charge off Account Ending : XXXX I am writing to bring to your attention a concerning matter regarding the reporting of my financial information. I have successfully cleared a charge-off account with American Express , but this information has not been updated on my credit report for the charge-off account with American Express was settled last month. Despite these actions, the credit reporting does not accurately reflect the resolution of these accounts. 

I kindly request that you investigate and rectify this issue promptly. It is crucial for my credit report to accurately portray my financial standing, especially now that these obligations have been met. 
As per my understanding of credit reporting regulations, the successful payment of a charge-off warrants its removal from the credit report. I kindly request that you update my credit report promptly to reflect the removal of this account. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-27
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. (NC)

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.

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 2023-06-26
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. (GA)

This is my NUMEROUS 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$09.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (MD)

Fulton Bank indicating that because the fraudulent check was cleared on XX/XX/XXXX yet not reported until XX/XX/XXXX, the Bank is not responsible for reimbursement DESPITE the fact that the account was frozen ( in connection with a 2nd fraudulent check incident ) in XXXX and such that I no longer had access to the account. Despite requesting access to the account I was only able to view other checks after reopening the account and now discovering the additional fraudulent check
Consumer complaint received 2017-04-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (ME)

I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.
Consumer complaint received 2024-01-23
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. (NJ)

I'm sending this complaint to have this unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2023
Consumer complaint received 2024-01-23
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. (VA)

I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX  XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. I have attached supporting documentation proving the fraudulent nature of these accounts.
Consumer complaint received 2018-03-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (DC)

I purchased a stay at a hotel ( XXXX XXXX XXXX ) for 4 days ( XXXX ) through a third-party site ( XXXX ). I had no issues checking in, during my stay, or checking out. However, upon checking my credit card statement later on, the hotel charged me an additional {$68.00} ( on XX/XX/year> ). I wasn't told of this at any point. Not during my actual purchase, during check-in, or during check-out. When I emailed them, they mentioned it was for a " facility fee ''. Something I didn't consent to pay and wasn't informed of. I called my credit card company, they mentioned that they need to know more information about what the fee was before they could dispute it. After many attempts to reach them, I finally got a response where they said the fee was for the use of a few facilities I didn't use ( or know existed ) as well as Wi-Fi and parking, both of which are listed on their website as " complimentary ''. Upon returning to my credit card company with this information, they said that XXXX has a policy against submitting claims on things the vendor has identified as a fee. By this logic, anyone can charge me any amount of money and as long as they claim its a fee, I can not dispute it. 

I'd like to emphasize, I wasn't told about this fee during purchase, during check-in, or during check-out. They haven't even given me a receipt ( the third-party side I purchased the stay through did, and the fee is not included, the receipt is attached ). I was simply charged without warning, and if I hadn't checked my credit card statement, I never would've known. This fee is also not mentioned on their website or anywhere else. Without any warning of receiving this fee, how are they allowed to charge me for it? I would not have selected this hotel if I knew I would be charged this fee, as it made my stay more expensive than several other options I was considering. Can any hotel ( or any organization ) add on any amount of money to a purchase and claim it was a fee without informing the consumer? 

I would like to be reimbursed for this fee. 

Thank you, XXXX
Consumer complaint received 2023-05-20
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. (GA)

This is my NUMEROUS 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 items 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 XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-05-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-17
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. (CA)

My credit report is showing late payments to XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-01-22
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. (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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023, XXXX XXXX entered the TD bank branch in XXXX XXXX FL and removed me from several co-owned bank accounts without authorization or consent. The branch manager was complicit in this fraud and did not require proper written consent to make these account adjustments. TD bank violated my rights and has created irreparable harm. They may have accepted falsified documents and otherwise failed to protect my privacy and failed in their own due diligence. The bank refuses to provide relevant policy and procedures that were followed in taking their actions and has failed to investigate my concerns. 

The impacted accounts end in XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX