davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my consumer credit report that 100 % SHOULD NOT be reporting at all. 
XXXX XXXX Dates # XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # XXXX I say this because, the law states that there should not be a late payment reporting on my consumer report at any time and should not include any transactions or experiences between me the consumer and any person making a report. Also, each credit bureau agency is suppose to furnish the correct information on your credit report and mine has discrepancies.

Furthermore, I have never given any consent for these alleged transactions.

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a-2, U.S. Code 1681a-2 ( A ) ( I ) and also 15 U.S. Code 1666b.

Please reverse these late payments from my consumer report and update this account as soon as possible.
Consumer complaint received 2024-06-03
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXX XXXX XXXX XXXX XXXX  Account # ending : XXXX with the balance of {$5100.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (CA)

I am writing to file a formal complaint against XXXX XXXX Account # XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Creditor : XXXX XXXX Account # XXXX Nature of Complaint : Inaccurate Reporting : XXXX XXXX Account # XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX Account # XXXX and have no contractual agreement with them. 

Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of XXXX XXXX Account # XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I received a check from my accountant on XX/XX/2023. The check is my tax refund amount and was issued via a bank called XXXX XXXX. The check is for {$3000.00}. I deposited the check via mobile deposit on the Chase app on my phone and I received a notification that the check would not be available until the next day. 

After the next day, I received another notification that the check would be on hold for a week. I was able to use my account until the second day after cashing the check and Chase put my whole account on hold. 

I called Chase and asked why my account was on hold, they said that they were unable to verify the check, although the verification number is clearly on the check. I also provided them with another verification number, that is clearly presented on the bank 's website. 

Basically, Chase is refusing to release the funds and they are even holding my personal funds that are different from the check. 

2 weeks later after depositing the check, I walked into the branch to see how I could verify in person rather than verifying on the phone. They said the maker of the check has to come in with two forms of ID, which is impossible because the maker of the check is a small bank. I asked if my tax lady could come in and verify but they refused. 

I had three accounts with Chase and they only let me take out funds out of one account. The rest of the funds are still on hold. It has been 2 months and I still cant get ahold of my funds. 

On XX/XX/XXXX, they told me they would send the funds from the check plus my personal funds through a cashier check and I would receive it through mail within XXXX business days. I only received a check from them for {$46.00}. I called again on XX/XX/2023 and they are basically stating that they will hold on to my funds for two years and eventually send the funds to the government. This is ridiculous. I have been unable to pay bills. I am a single mother that depends on my funds. 

The next solution would be contacting a lawyer to see what can be done. My tax lady has even called and requested that they send the check back to her so she can issue another check to me or find another solution. They refuse.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to express my deep disappointment and frustration regarding the unresolved disputes I have submitted multiple times for inaccuracies on my credit report. 

Despite sending detailed letters outlining the inaccuracies and violations to my consumer report, it has now been over 30 days since my initial dispute submission, and I have yet to receive any response or resolution from your end. 

Attached to this message are copies of all the letters I have sent, clearly documenting the accounts in question and the errors present on my credit report. 

I understand the importance of accurate credit reporting for both consumers and creditors alike. However, the lack of response to my repeated attempts to rectify these errors is not only concerning but also damaging to my financial well-being. 

I kindly request that you prioritize the resolution of these disputes and provide me with a prompt update on the status of each. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed immediately!!
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

I HAD A CREDIT CARD WITH XXXX XXXX I WAS LAYED OFF MY JOB AND MOTHER PASSED AWAY, I CALLED XXXX TO EXPLAIN MY PROBLEM THEY OFFERED A LOWER MONTHLY PAYMENT BUT I COULDN'T KEEP THE PAYMENT JUST WASNT ENOUGH MONEY. THEY MADE SERVERAL ATTEMPTS TO RECOVERY THE MONEY. I RECEIVED A MSG FROM THE CREDIT BUREAU THAT THERE WAS A CHARGE OFF ON MY CREDIT. SINCE XXXX IT WAS TAKEN OFF MY CREDIT FILE ITS BEEN 7 YEARS. I RECEIVED ALERT ABOUT MY CREDIT THERE HAD BEEN COLLECTION PLACED ON IT MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF {$3900.00} A DEBT BUYER. IF XXXX DISCHARGED THIS ACCOUNT AND CHARGED IT OFF HOW IS NOW XXXX THEY CAN SAY I OWE THIS.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have a complaint against the current mortgage company who has my loan Nationstar Mortgage. Despite my pleas for help they have not opened up a review of my financial information nor assigned a single point of contact. Instead they have scheduled a sale date of my home for XX/XX/XXXX. Nationstar is the XXXX different bank to hold my loan. I have been trying for a long time to fix this problem of my delinquent payments but every time I seem to be getting some traction the loan gets transferred. I am employed and have owned my house for 11 years and want to save it. This is a conventional loan that I believe is backed by XXXX. I just heard that there were some new programs to help homeowners with conventional XXXX loans and I think I could qualify. My interest rate is 7 % and I have suffered a real hardship the last few years. 

I have worked in construction for over 30 years and had steady employment and money in the bank when I bought my home. Like millions of Americans, I was blindsided by the recession and found myself in and out of work for the next couple of years. I was still making my mortgage payment each month, but the writing was on the wall that it would be difficult to maintain. I reached out to my servicer at the time to apply for help. ( I believe it was XXXX XXXX or XXXX at that time ). They told me that even though I had an obvious financial crisis going on, they would not consider my application unless I was behind on my mortgage loan. So I took their advice and stopped making my payment in order to be considered for mortgage assistance. I started the modification process but within a matter of a few months I was being threatened with foreclosure by the agents at the bank. So I had to scramble and borrow money and do whatever I could to get caught up on the loan. But the problem had not been solved, I was still barely staying afloat. 

I hung on as long as I could but eventually due to the high payment vs. my income and sporadic unemployment I fell behind. I tried to work with all of the companies who held the loan -- XXXX, XXXX, XXXX and every time that it seemed I was making progress the loan would get transferred. I have never been assigned a designated point of contact by Nationstar and have never had a review completed. I deserve to be considered for these new XXXX backed programs, as well as all other government and in house programs that Nationstar has available.
Consumer complaint received 2023-04-13
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. (NC)

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

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
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: EQUIFAX, INC. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update these erroneous account. 

XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2024-06-03
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. (TX)

I am writing to dispute an inquiry on my credit report that I did not authorize. According to 15 U.S.C 1681 section 602 A, I have the right to privacy regarding inquiries made into my credit history. Furthermore, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached copies of the letters outlining these rights for your reference. 

I request that this unauthorized inquiry be promptly removed from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2017-03-01
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC (CA)

First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau c/o Case Manager XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The purpose of this letter to request a claim be opened against Capital One over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX and XXXX of XXXX, my Capital One Venture card account ending in XXXX experienced several fraudulent transactions included unauthorized purchases and payments resulting in several thousand dollars of fraud. As per the terms of service provided by Capital One, I contacted the fraud department in XXXX of XXXX to report the fraudulent activity. The representative from Capital One went line by line through my transaction history to verify which purchases were mine and which were fraudulent. After verifying this information, I informed the representative that all other transactions were fraudulent. The account was credited, and I acquired a final payoff balance in XX/XX/XXXX where the account was then closed. 

Beginning in XX/XX/XXXX, I started receiving mail and phone calls from Capital One informing me that I owed {$5600.00} due to returned payments on the closed account. In several telephone conversations, I informed that I would not pay for fraudulent transactions on the account and had reported all such transactions the previous year. The representatives, and account manager, informed me that I was responsible for the balance as the payment from the previous year was returned. My question to them was, if they had done the appropriate fraud investigation on all fraudulent transactions as I reported, how could they come back almost a year later and tell me I owed such a balance? I told them that since their fraud department failed to do its duty and responsibility to conduct a thorough investigation, they would need to either absorb the balance or re-open the fraud case and pursue the individual responsible. They continue to harass me with mail and phone calls about this balance. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Capital One for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.