davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexinNexis- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA . Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Lexis Nexis is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681A ) ( A Right to privacy ), and the information must be deleted immediate. 
I contacted the court, and their response is enclosed. ( See attached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681B ) ( Permissable Purpose ), and the information must be deleted immediate.

I would like for you to have them take this unvalidateable information off of my credit report. Your prompt attention to this matter is requested in order to comply with federal law.
Consumer complaint received 2023-08-26
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services ( CCS Commercial , LLC ) has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. CCS has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt.. This company is also not licensed to collect in the state of California where I domicile therefor they have no jurisdiction. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (IL)

I am writing to formally lodge a complaint against XXXX regarding an unresolved issue with a travel reservation booked through XXXX XXXX on XX/XX/year> for {$1300.00}. I apologize for the delay in filing this complaint ; I was not initially aware of the appropriate agency to address this matter and believed I had no recourse but to pay the balance and endure the issue. Recently, I learned that the Consumer Financial Protection Bureau ( CFPB ) might be able to assist me. 

Here is the context of my complaint : I contacted both XXXX and XXXX XXXX concerning a reservation I made for a stay at a resort in XXXX. The reservation included several advertised amenities that were not provided upon my arrival. Specifically, the room I opted for was not the room I received, and several other amenities that were advertised were also missing, and numerous other concerns and incidents transpired every day of my stay. 

During my stay and on the day of checkout, I attempted to express my concerns to the hotel staff. Unfortunately, nothing was resolved despite my efforts. I was placed in several unsatisfactory rooms, turning what was supposed to be a relaxing vacation into a nightmare. I was extremely disappointed given the substantial amount of money I spent on this trip. 

Furthermore, when I tried to reach out to the hotel manager to address these issues, she became verbally abusive, yelling and screaming at me as I shared my concerns. Initially, she promised to refund half of my stay, but she later reneged on that promise. Instead, she offered me a free upgrade for my entire stay if I chose to return, which I declined. 

Following these incidents, I reached out to XXXX to seek compensation for at least half of my stay. However, XXXX was dismissive and provided no assistance in resolving the matter. 

I am now reaching out to the CFPB for assistance in this matter. I am currently being forced to pay a credit card bill for services that were neither provided as detailed nor delivered with the appropriate level of respect, safety, and propriety. I seek your intervention to address this issue and ensure that I receive fair treatment and appropriate compensation.
Consumer complaint received 2023-09-19
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: JPMORGAN CHASE & CO. (CA)

My credit report is showing late payments to JPMCB - CARD SERVICE XXXX 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 2024-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

I was reviewing my credit and several accounts from LVNV funding showed up. I've tried disputing through the credit bureau and it keeps coming back as valid debts but in the disputes I've requested validation of debts to be sent and have yet to receive anything. I have no idea what any of these debts are as the amounts don't match any accounts that I have going through my debt consolidation.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NC)

Affirm is trying to charge me {$160.00} for the month of XX/XX/year> when my loan terms state {$32.00} per month for 24 months. I have contacted them XX/XX/year> regarding this specific issue. I was opened a " Promise to Pay '' from then until XX/XX/year> to prevent this from being late, until the issue was corrected. It has not been fixed as of XX/XX/year> and I received no update. I am now late on a payment I didn't agree to. I have paid the {$32.00} minimum on XX/XX/year> per my loan terms. This random charge originally started as a random $ 200 monthly charge and they were informed around XX/XX/XXXX or XXXX and asked to fix it. It changed to a {$160.00} and is still there and I am concerned it will affect my credit score. I have tried contacting them but they always just claim they will " escalate '' the issue and nothing happens.
Consumer complaint received 2024-08-26
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. (CA)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXXXXXX  - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXXXXXXXXXX XXXX XXXX has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to Self Financial, it may take up to 30 days for this update to be reflected.

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft. 
2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX **Experian Consumer Services** XXXX XXXX XXXX XXXXXXXX, TX XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX* **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXXXXXX  - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX Self Financial has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected. 

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft. 
2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter. 

**Sincerely, **
Consumer complaint received 2024-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (CA)

The following individuals at Dovenmuehle Mortgage Inc can be charged today by the relevant authorities, with Accessory to Fraud for their role as accomplices in shady practices : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( see attached XX/XX/XXXX letter full of lies ). 

I don't know if they are full-blown crooks or XXXX XXXX XXXX I do know this rat 's nest needs to be shut down and cleaned out. Please close this criminal enterprise today. 

XXXX XXXX  Form 1098 should show a whole number for our year-end principal reduction. Our interest payments should have been auto-withdrawn simply and completely at the beginning of each month. XXXX and DMI failed spectacularly and proceeded to attempt a shameless cover-up of their crime, with bizarre accounting maneuvers, slicing and dicing our whole-number payments into multiple bits and pieces. Hoping no one would notice the year-end wild discrepancy, totally in their favor. Please, please shut them down. Companies don't go to jail, but people do. The named individuals belong in Court.
Consumer complaint received 2022-12-06
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. (TX)

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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-06-28
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. (CA)

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : 1. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up. 
2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently reviewed my credit report and noticed the account was not reporting accurately. i had two late payments on the account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I'm requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I received a loan estimate to refinance my mortgage in XX/XX/year> and received a revised loan estimate today, XX/XX/year>. The loan processor said the XXXX estimate had errors. The XXXX estimate has a monthly payment increase ( she says they left off amounts that she said should have been included ), increased closing cost and less cash out to me, even though the house appraised for more than what was listed on the XXXX estimate. I feel like this is deceptive, and now they are switching things around. I have not closed. 

Estimated monthly payment {$1900.00} XXXX estimate vs. {$2400.00} XXXX estimate. Estimated closing costs {$12000.00} XXXX estimate vs {$18000.00} XXXX estimate Estimated cash to close ( to borrower ) {$89000.00} XXXX estimate vs. {$75000.00} XXXX estimate. Prepaid {$660.00} XXXX estimate vs. {$4700.00} XXXX estimate Initial escrow payment at closing {$0.00} XXXX estimate vs. {$1700.00} XXXX estimate. 

Again, I feel like all the amounts I relied and signed off on to proceed with the loan were all wrong and to my detriment. This is deceptive to get me to proceed with the loan.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (GA)

I've reached out to Experian numerous times throughout the years, in the beginning of last month of XXXX I sent them 2 letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. Experian is not complying with their own policies in a timely manner is also a problem for me.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

When I opened account, I was promised a bonus of {$2500.00} after I transfer assets of {$250000.00}. I fulfilled all required and timeframe to bonus post was over. Bank couldn't find a record of this promotion and refused to honor this. 
Thank you, XXXX XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (MD)

The company XXXX XXXX who is my mortgage servicer began overcharging my loan in XX/XX/year> by {$XXXX} due to a tax issue. XXXX XXXX claimed they were not receiving any taxes from my escrow account and XXXX XXXX was claiming they had paid it. After following up with XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX, we go to find out they had stop paying my taxes to the city of the XXXX half of XXXX. I also learned that some of my escrow money was missing. I have reason to believe XXXX XXXX has misplaced my escrow money or the company is committing fraud. 

I received notices in the mail regarding a tax lien being possible on my house from the city. I later finally got XXXX XXXX to issue a payment to XXXX XXXX to prevent my house from a tax lien. I have always made my mortgage payments on time and there was no reason for any of this to occur. They have illegally raised my mortgage rate every month since XX/XX/year>. 

XXXX months ago I got another later claiming that I have no insurance for my home. The company XXXX XXXX has been my insurance since I purchased the home. Supposedly, it was being paid by my mortgage lender XXXX XXXX. XXXX XXXX now claims that I have no active insurance or coverage. 

I had a new policy go into affect XXXX months ago with XXXX XXXX, myself and the agency reached out to XXXX XXXX to let them know that I was covered with my new policy information. XXXX XXXX claimed they had no record of it and used my escrow money to buy their own policy and coverage which I never authorized. I provided my policy information and I have been paying it monthly myself already. 

Now they increased my mortgage yet again by another {$XXXX}. They are claiming now that I am in negative escrow and this is why I owe this amount higher every month now. I have strong reason to believe that the company XXXX XXXX is within malpractice as a mortgage servicer. They have mishandled my escrow money and are now trying to make me pay for it.
Consumer complaint received 2023-08-02
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. (PA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (MO)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

Received in the mail on XX/XX/XXXX a notification from Citi that they needed further information to continue my credit card application. The problem is I never applied for a credit card. I phoned Citi and they showed that the received an application at their citibank in XXXX XXXX XXXX XXXX The application was complete with my address and Social Security number. The application was stopped and they are forwarding an alert to the credit reporting agencies. They also recommended that I get in touch with you on this problem because of the social violation.