davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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: CITIBANK, N.A. (MD)

XX/XX/XXXX- until XX/XX/XXXX I HAVE SOMEONE opening or requesting to open new lines of credit card I have not done this nor given my information there so i know my personal information has been issued
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Account of XXXX was delete from the credit report in XX/XX/XXXX and re appears in XX/XX/XXXX. 

I dont recognized the Inuiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-17
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)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX  XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are four fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
1. The following personal information is incorrect Account Number : 2. The following personal information is incorrect Account Number : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : 7. The following personal information is incorrect Account Number : 8. The following personal information is incorrect Account Number : 9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
10. XXXX Account XXXX : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX Account Number : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. 
XXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IN)

The XXXX XXXX card has a {$100.00} global entry credit. I got the card, and used the benefit. Chase did not reimburse the {$100.00}. I called to inquire and they sent me a letter saying since it wasn't automatically applied to my statement that it's not eligible. This is not true. I have followed the rules and do not deserve to be punished because of the company 's arbitrary software rules. I will take this to court if I have to. This is fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the XXXX XXXX XXXX. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
1. The following personal information is incorrect Account Number : 2. XXXX Account Number : XXXX 3. XXXXXXXX XXXX XXXX Account Number : XXXX 4. The following personal information is incorrect Account Number : 5. The following personal information is incorrect Account Number : 6. XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
PER XXXX IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-07-07
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 (CA)

Being charged and credit balance increased for website for business referrals XXXX and also from a vitamin company through XXXX after trying to cancel charges. First, my Capital One credit card reached the maximum ( {$15000.00} ) and the credit card company charged the over-the-limit fees. Then, the credit card company increased ( against my will ) the credit card to {$16000.00}. I intend to pay off this credit card balance in one full payment and close this credit card account. The credit card company is telling me that even with that they can't guarantee closure of this credit card account. I have " A '' and I don't want to damage my credit score. Can you please help? 
The balance on the account at this time is {$16.00}, XXXX.
Consumer complaint received 2024-06-27
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: The CMI Group, Inc. (OK)

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX  - XXXX XXXX. XXXX  XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

XXXX. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. Validate the late payments. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate the late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP (PR)

My name is XXXX XXXX XXXX XXXX, the mortgage account number is XXXX. This loan is with Banco Santander de Puerto Rico. 
At XX/XX/2015 I was working a Loss Mitigation process with the Santander Bank in Puerto Rico, at the same time the bank was filing motions to the court with the intention of executing the property. In This case the debtor was submmited the Loss Mitigation Package complete and the bank indicated the alternative was aproved are a payment plan but at the same time the bank and your legal representation submmited to the court a motion in continue the foreclosure process. This action is in total violetion with the Regulation X and incurred in " Dual Tracking ''. 

Respa indicated the following : " The rule restricts dual tracking, where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 

If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced but more than 37 days before a foreclosure sale, a servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until one of the same three conditions has been satisfied. In all of these situations, the servicer is responsible for promptly instructing foreclosure counsel retained by the servicer not to proceed ''.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (GA)

I requested a loan modification which they provided and submitted the application for work out. Instead of work with me the referred my home to you their foreclosure attorney. While asking for additional documents they started foreclosure proceedings. Thats dual tracking and against the law.The assignments are robo signed the signer are not vice presidents or president. I so filled this complaint with
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I believe the account is invalid. DISCOVER BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DISCOVER BANK XXXX
Consumer complaint received 2024-06-27
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: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX I called into American Express to dispute a charge of {$690.00} for a hotel charge that we never stayed at. A customer service agent named XXXX with ID # XXXX told me I will not need to worry about the charge, ever. 
Although they would dispute the charge with the vendor, I would not ever have to worry about the charge. 
I have provided everything to them that they have asked for. 
Two weeks later, the charge was back on my billing statement. 
After many calls and disputes, they tell me they will address this for me only to see the charge back on my billing statement. 
Bottom line, they have told me that I will never have to worry about or pay the charge I am disputing, but they turn around and keep putting the charge back on my account. 
They will not do anything about the dispute now and hang up on me when I try to address it. 
I have been with them for XXXX years, never late on a payment, and this is how they treat me.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day  reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Consumer complaint received 2023-06-22
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. (GA)

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDITBUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

During this whole process I have continued to communicate with mortgage company of my condition even when in hospital XX/XX/year>, after XXXX XXXXXXXX XXXX. one week later I had XXXX XXXX in XXXX and XXXX and could have had XXXX XXXX 

Placed in hospital over a week with XXXX XXXXXXXX XXXX XXXXt during a time hospital had patience in hallways so full. When released I had XXXX XXXX for one week at home to add to the issues. 

I started out with XXXX XXXX, Shellpoint representive XXXX. Provided all documents requested in XX/XX/year> after I returned to work. 

I also had informed them I had applied for assistance in government program as directed. and was told why don't I allow them to do it instead. 

The government assistance person was XXXX XXXX in XXXX, Washington. XXXX XXXX XXXX He stated he was my referred provider for government. 

Later, Shellpoint gave me new representative to start over again XXXX XXXX in XX/XX/year>. 

Even now after receiving the letter stating all documents needed to modify earlier this month and reaching email from XXXX stating it would take XXXXive to seven days to have answer back from underwriting. 

When I emailed last week to follow up on status newer banking statements as they have asked every month for four months. My income is over XXXX every month.with XXXX  retirement from XXXX. 

I gave all tax returns and documents I didn't need before to help them assist me.