davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments XXXX XXXX XXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my XXXX XXXX  XXXX, filed in XXXX XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX XXXX I advised the lender/servicer that I am aware that XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE?
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NC)

This account was abruptly closed and then a 30 days late was reported on my credit profile, I contacted XXXX to protest the way I was being treated, as a result they kept reporting 30, 60, 90 days late onto my credit report. The last time I contacted them was last month via certified letter. However, my credit report was updated to a 30 and 60 days late.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Equifax : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (FL)

US Bank On XXXX I spoke to.a Manager at US Bank named " XXXX '' who confirmed the terms of my pending balance transfer at 2.99 % 12 months Total Funds Balance Transferred to US Bank {$5200.00} at 5 % transaction fees of XXXX $ XXXX XXXX for 12 months US Bank Promised to Pay : XXXX for {$4300.00} Pay XXXX {$830.00} " XXXX '' documented on XX/XX/24 that All Late Fees from both XXXX XXXX XXXX incurred would be Paid by Depositing XXXX points to my US Bank points Acct to offset the Late Fees Costs US Bank made their 5 % balance transfer Fees at : {$260.00} + plus additional Finance Charges But to date Nickeled & Dimed me Refusing to honor the Promo Point Deposit as Documented by XXXX on XX/XX/24. 
They agreed to.deposit only XXXX points and I am missing {$75.00} or XXXX points. They Are Liars and Only Take Exborbitant Fees, Finance Charges and when you hold them Responsible as Aforementioned and Documented they Hang up on you!! 
I want my earned {$75.00} or XXXX points Deposited as Promised!!
Consumer complaint received 2024-06-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

I bought a {$500.00} prepaid XXXX on XX/XX/year>, which when I tried to use got declined. When I called the customer care number for the card I was told that the card was invalid and that they could not help me. I asked to speak to the supervisor and he also told me that they were unable to help as the card is invalid and not in their database. All the information of the purchase and points to the card not being tampered with and the unit was also sealed. Please help in resolving this case.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my attention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-01
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. (FL)

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 2024-07-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a gift card from my employer that was a VISA giftcard from Vanilla for XXXX USD for XXXX XXXX. The card appeared to be sealed in it's original condition from the store. I went to use the card in XXXX of XXXX. I had noticed that the back of the card had residue that I could just not get off. I took a second look at the card and noticed the last 4 numbers were scratched off. I called to check the card balance and was told it was less than XXXX USD. I filed a dispute with the Vanilla team on XX/XX/XXXX and was told that a response was to be expected between 45-90 days. Upon the 90 day mark on XX/XX/XXXX, I sent a follow up email with no response. I sent an additional response on XX/XX/XXXX with no response. I am not sure where else to go, and was hoping someone on your team would be able to assist. I appreciate all the work you and your team do for us commonfolk. I look forward to hearing from you, thank you!
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

From XXXX to XX/XX/XXXX, I was a customer of the XXXX XXXX XXXX, and every six months I had paid my insurance in advance. 
The acquired policy has a policy number XXXX. 

This policy had coverage for six months, with a period from XX/XX/XXXX to XX/XX/XXXX. I paid it in advance the amount of {$1800.00} and on XX/XX/XXXX of XXXX I received a note that I had a balance of the expired policy where XXXX said it had a balance to pay in the amount of {$1000.00}. 

I have investigated the charge and XXXX is claiming that my son XXXX XXXX must pay the policy as the initial driver for this amount. 

My son is XXXX XXXX XXXX. In XX/XX/XXXX he obtained a learner 's permit. 

It is my understanding that up to one year of having this permit, a Florida driver can apply for an intermediate license. 

That will be until XX/XX/XXXX, and I will add my son to the insurance policies. 

Therefore, the charge that XXXX is making has not basis and I ask that this debt be eliminated. I can assure that XXXX XXXX will not drive any of my cars. 

In the initial dispute was only take in consideration the Collection Company and never asked me about what I did.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

My information was sold and bought illegally because I was a victim of the XXXX Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Illegal Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
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. (NY)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

Citi claims that in their XXXX ( I opened my account in XXXX ) " Consumer Deposit Agreement '' they are allowed to restrict my account due to inactivity. I have a copy of the XXXX page " Abbreviated Consumer Deposit Account Agreement '' and there is nothing in the document that references restricting accounts due to inactivity. however, at the bottom of the cover page it states " To review the complete Consumer Deposit Account Agreement applicable to your account, please see citi.com/ ... .... Which is XXXX page document. Buried on page XXXX is the language that Citi is using to justify restricting the account. This is the equivalent of " Fine Print '' which is illegal under the Truth in Lending Act and the Securities Exchange Commission 's disclosure rules.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within XXXX  System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-26
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. (FL)

In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. My information was sold and brought illegally because I was a victim of the Equifax data breach. 

Equifax Data Breach Settlement ID # XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

My family recently relocated from XXXX to XXXX. Our previous bank does not have branches in XXXX so we opened an account with US Bank. We provided all documentation requested upon opening the account. That was on XX/XX/year>. On XX/XX/year> a hold was placed on our account due to our identification being from another state. On XX/XX/year> we went to a branch and provided them with our signed lease agreement in Colorado, and we were ensured that we would have access to our funds by the end of the day by a banker. On XX/XX/year> we received communication that US Bank needed another copy of our IDs to lift the hold. Those were provided to a US Bank representative within an hour. It is now XX/XX/year>, a Saturday, and I have gone to XXXX branches and spoken to a phone rep and still have no access to the funds. The reason cited by a XXXX at a branch is that there is no one available in the fraud department on weekends. This is causing severe financial strain because we have bills that are now accruing late fees.