davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries 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  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (IL)

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.

The letters are stated with items and issues.

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: CL Holdings LLC (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-04
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-03
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$630.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XX/XX/year>, TD N.A. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. TD N.A put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of 4 credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were TD N.A, XXXX Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called XXXX ( XXXX ) and they indicated that an application for a XXXX XXXX card had been submitted with my data. XXXX also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXXXXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-31
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: Chime Financial Inc (NV)

On XX/XX/year> I called the company ( Chime aka XXXX ) to let them know that I noticed unauthorized charges on my credit card. They said they would open a claim and investigate. On XX/XX/year> I logged in to check the status and realized my claim was denied the same day I opened it which was XX/XX/year>. I called them and they could not provide a reason. They said the team who handled the claim didn't provide a reason. They said I should have received an email. I never received any information about a decline. I found out via their mobile app.
Consumer complaint received 2024-01-29
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. (MA)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following discrepancies in my credit report. Despite my efforts, there has been no response from TransUnion to date. I believe it is imperative to rectify these inaccuracies promptly. 

The following are the details of the incorrect information and the corresponding corrections required : The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) was never late. Please remove the late payment notation. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$23000.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CA)

I just filed a complaint against AFFIRM about {$160.00} debt I paid through a third party collector XXXX. However on XX/XX/2024, the same third party collector reached out to me wanting to collect the {$160.00} that I already paid. They said that AFFIRM sent it to them for collection on XX/XX/2024. I sent in all of my documents proving that I have already paid including the results of my last complaint against AFFIRM.
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MO)

CFPB- We established our mortgage on XX/XX/XXXX with Homepoint Mortgage. Homepoint was apparently acquired by Nationstar LLC ( Mr. Cooper ) in XXXX, and payments started autopaying to Nationstar starting XX/XX/XXXX, with no notice. In XX/XX/XXXX, the autopay to Nationstar increased by XXXX  % without notice. All payment since origination of mortgage have been autopaid on time. 

We no longer have access to our loan information on-line. We have tried to contact Nationstar at XXXX different phone numbers, but their phone tree system blocks us from talking to anyone. It asks for either a loan number or SSN, which are all " not found '', and then continues to request a loan number or SSN, which are repeatedly " not found ''. 

We noted that they were the victim of a hack in XXXX of their customer information. We fear we are victims of fraud, by either Nationstar LLC ( Mr. Cooper ), or some other entity. Since we can not contact Nationstar LLC ( Mr. Cooper ), we are filing this complaint, and are considering sending a certified letter to them with the complaint number associated with this complaint. 

We do not want to continue to pay Nationstar LLC ( Mr. Cooper ) until they can provide us access to our loan information and confirm their autopay increase. 

We did not choose Nationstar LLC ( Mr. Cooper ) as our lender and feel trapped by a scheme that is likely illegal and most certainly unscrupulous. 

- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This is not a mistake. I am genuinely terrified, frustrated and confused about how badly these accounts on my credit report has turned out. Do you have any idea how much stress this caused me? Knowing that these accounts were not to a XXXX percent accurately reported in my credit, and nothing has been worked on because I am being ignored.
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: EQUIFAX, INC. (IL)

Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, XXXX, Equifax and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX  : As a survivor XXXX XXXX XXXX the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by XXXX, XXXX, and Equifax and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (IL)

I am XXXX and my husband is XXXX.Shellpoint mortgage has been consistently trying to foreclose our property. I am retired due to medical issues, but Im also XXXX. I get XXXX XXXX  and I have my pension. My husband also gets XXXX XXXX. He is still working XXXX jobs because he had to pay for my medical care when I was at the facility due to my medical issues from a XXXX. That is why we fell behind on our mortgage. We are XXXX, we should not have to work this hard. Shellpoint mortgage upped our payment from XXXX to XXXX to keep our home. We can NOT afford this if we couldn't even afford our regular payment. My husband should not have to work two jobs to afford this property at his age. The purpose of a loan modification is to lower the payment and Shellpoint doubled ours.. Shellpoint mortgage is discriminating against us based on XXXX XXXXXXXX  and worth ethic that my husband is forced to endure to help me with my medical issues. How dare they think that we can afford this property having to work two jobs to do so. The only reason they " assisted '' us is because we previously filed a complaint against the institution and then they came back with aa doublepayment and on top of that no one bothered to notify us. If not for our 3rd party we would have never haveknow we were " approved '' for this sad attempt to assist us. We demand to proper review my file, proper mortgage payments, so we dont have to work so hard in our older years. This is XXXX  at its best and the way they continue to lose our documents and re-request things over and over is unacceptable. I had another XXXX when I saw how high they raised my mortgage payment to. We can not afford it and they think by just giving us the chance by doubling our mortgage payment is ok. It is not, I will be suing for emotional distress as being the number one cause of action in my lawsuit on top of the many others. Again I repeat that they are trying to foreclose to take our home from under us. My husband should NOT BE WORKING he is tired! We are both tired and if we pass due to the stress of this situation you will be facing an additional lawsuit by our children as our doctors are already aware of the situation and noted these furtherissues have been stress related.

They are also dual tracking. Per the CFPB they can not review our file and foreclose at the same time. They are discriminating against me due to my race, my age, my health, my national origin and ethnicity.
Consumer complaint received 2024-05-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I was in XXXX and when I returned I noticed a charge for {$540.00} on my card for XX/XX/XXXX for a general contractor. It is under the term " XXXX '' which I have since learned is similar to XXXX but in XXXX. I submitted it to Chase and they denied the fraud claim saying I benefitted from the purchase. How did they decide that? It makes no sense. So I called back and spoke to a lady who was very helpful and helped me walk through my day to pinpoint when it could have been charged. We traced it to a restaurant in XXXX. When the waiter brought the bill, I gave them my card. They must have swiped it and fraudulently charged me at that time. I asked Chase to look at it again and just a few days later they said the charge is valid. What recourse do I have? I absolutely did not make a {$540.00} purchase for general contracting while vacationing in XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.