davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (VA)

I received a bill ( {$86.00} ) for a phone service I didn't use and don't owe. In XXXX, I bought an XXXX XXXX from XXXX XXXX XXXX with the option to return it within 14 days if unsatisfied with the service or the phone. I returned the phone within that timeframe without using the service for the full 14 days. It's unethical for me to receive a bill for the subsequent month after cancelling my service and returning the phone. The service had been cancelled. I believe this bill was received because the manger ( at the local store ) was furious that I left a XXXX review about my experience at his store. The company admits their error but hasn't offered any resolution they say due to the time that has passed since the incident. Then, to fast-forward to the collections company ( Sunrise Credit Services ) I received a letter informing me that I had a debt, and if I wish to contest it, I should respond within a certain timeframe. Which I did respond by email on XX/XX/XXXX and did not receive a response from the company.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the 1099-C received from XXXX, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with XXXX, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (PA)

Dear Equifax [ Credit Reporting Agency ], Delete : XXXX XXXX XXXX because it was not validated within 30 days I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from Equifax [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days Therefore, I maintain my demand for monetary relief as compensation for the violations committed by Equifax [ Credit Reporting Agency ] . I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days
Consumer complaint received 2024-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I am currently trying to complete the loan modification process with PennyMac Loan Services and upon submission of a completed packet on XX/XX/year>, I followed up with the company and was told that my loan modification was denied due to the upcoming foreclosure sale date and because my packet was incomplete ( which is not true ) I submitted every document required for a completed packet. I was placed on hold while the representative checked into my account and they came back and asked about my income. I informed them about an upcoming job that I was about to start and so I was told as the final answer to my denial was because my new job income wouldnt be enough to cover the payments or reinstate the loan. Moving to today, XX/XX/year> I called them again to follow up about the modification and was told that my modification was denied because of the sale date and packet but this representative did not say anything about my income being a reason for denial. So what I see is that I am receiving confusing information and getting the run around with this company with something that is very serious for myself and my family. I would greatly appreciate if this matter is looked into swiftly as I am under a short amount of time for the foreclose that is about to happen.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

My accounts from Union Bank were improperly ported to US Bank when they purchased XXXX Bank. This was due to errors committed by US Bank, which they previously admitted to. 

An improper email account was associated with my business account and remains there. Multiple attempts to correct this by myself via the bank website have been unsuccessful.

I attempted to have the issue addressed by chat support via the website. The agent gave me conflicting information about whether they could solve the issue before disconnecting from the chat. Attempts to reach another agent by chat was unsuccessful.

Multiple attempts to have the issue addressed by phone support have been unsuccessful as wait times to speak to an agent appear to be about 25 minutes, according to their automated support system. 

I am unable to properly manage my business account because of the incorrect email address appearing in my account settings.
Consumer complaint received 2023-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (WI)

I am submitting a formal complaint against Paypal Arbitration : I opt out of all arbitration clauses linked to my account. 
Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests.

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps.

Thank you,
Consumer complaint received 2023-09-16
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. (CA)

THE HOME DEPOT/CITIBANK pulled my report without authorization on XX/XX/2023. 

I assume related to fraud found on my report. Ive attached police report and
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 Better Business Bureau, 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I filed for bankruptcy in XXXX due to a layoff. The only items I included were my personal credit cards. I had a joint mortgage with my wife, that I did not include in my bankruptcy. I never missed a payment, there were no late payments, and the mortgage was paid in full when we sold that house in XX/XX/XXXX. I've contacted the mortgage company multiple times that it was not included, and they have that information, but they keep listing the account as " Discharged in XXXX XXXX Bankruptcy ''. They have the complete payment history showing that it was paid in full, and never late, and not discharged. I'm not sure what I need to do on my end, but I've also contacted their consumer advocacy department to get this corrected, with no progress.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

I have been with freedom chase for a long time. Last few months has been confusing & frustrating to do business with them. Its all started on XX/XX/year> when I returned around {$200.00} to XXXX which was more what I owed to the credit card. I have the receipts for two transactions on XX/XX/year> around noon time. So even though it was my due date I returned more than what I owed so I didnt make a payment. Somehow the freedom chase decided to post my returns on the fifth and charged a late fee on the due date. Talking to them was like having a conversation with my dining room table. I asked for a supervisor for whom I am still waiting to talk. The same thing again this month. Without the late fee with my transactions I did not owe them on the remaining balance but I got another late fee agin on the due date yesterday. I called and asked for a supervisor I have been waiting to talk for a month now. The boy told I should be responsible. They XXXX you and steal your money and then lecture you.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (NY)

ACIMA DIGITAL FKA SIMP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Dispute of Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the following information that appears on my consumer report. The account in question is : Account Number : XXXX Creditor : ACIMA DIGITAL FKA SIMP Basis of Dispute : XXXX. Privacy Act of 1974 : The Privacy Act of 1974 requires that personal information in government records be accurate, relevant, timely, and complete. Although this primarily applies to federal agencies, the principles of privacy and accuracy should extend to how private entities handle personal financial information. The presence of inaccurate or unauthorized information on my consumer report is a breach of these privacy principles. 

XXXX. Charge-Off Account Consideration : The account in question has been reported as a charge-off. A charge-off is essentially a certificate of indebtedness, which under IRS rules can be considered as forgiven debt and therefore treated as income. Since this debt has been considered as income, it should no longer be reported as a liability on my credit report. Continuing to report this charge-off account negatively impacts my creditworthiness unfairly and inaccurately. 

Request for Resolution : In light of the above points, I am requesting the following actions : XXXX. Immediate removal of the disputed account from my consumer report. 
XXXX. Written confirmation that the account has been removed and that no further unauthorized information will be shared or reported. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to correct inaccurate information on my consumer report. I expect an investigation to be conducted within the required 30-day period, and a resolution to be provided promptly. 

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute and keep me informed of your actions regarding the removal of the disputed account. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VI)

My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.
Consumer complaint received 2024-07-05
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. (GA)

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. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: U.S. BANCORP (CA)

US Bank has unlawfully blocked and obstructed me from making mortgage payments on my home that I bought with my husband in XXXX and has put me into foreclosure. I am the rightful owner of the property, I the grant deed has been recorded in my name and the home has gone through probate and the judge has ruled that I am the heir and owner of the property. ( paperwork included ) US Bank is required to accept payments and discuss this mortgage obligation with me as the rightful heir of the deceased borrower. 

This has been my home since XXXX and there is a great deal of equity in the property and instead of following guidelines and the law US Bank is intentionally denying access to communication and options to resolve this delinquency. I have the ability to pay my mortgage payment, I just need help with the delinquent payments through a repayment plan or deferment or some type of workout. US Bank has never considered my ability to pay or reviewed any of my financial information and the failure to do so prior to filing of the Notice of Default is in violation of the XXXX  Homeowner Bill of Rights. 

My husband took out this line of credit in XXXX for {$100000.00} through US Bank. There were no problems making the payments. My husband passed away in XXXX and after I received the death certificate I went into a US Bank office and provided the information and attempted to make the mortgage payment. Their agent refused to accept the payment which seemed hard to believe. I then started paying by personal check through the mail with my name on the check and US Bank ACCEPTED these payments. A few months after my husband passed I was overwhelmed with bills and extra expenses from funeral etc. and I missed a couple of payments on this HELOC. I was able to make a lump sum payment and get caught up and there were no issues with US Bank accepting monthly mortgage payments from my personal checks. 

I have worked as a XXXX XXXX for a XXXXXXXX XXXX  company for over 20 years and make a good living. In XX/XX/XXXX I started having a hard time because at work it was slow so they cut my hours due to a slowdown of work coming in. This led to financial issues due to lack of income and the mortgage payment going to {$500.00} a month instead of {$300.00}. I missed a few payments, and like I did in the past I tried to pay an extra amount to get caught up. I sent a direct debit payment for {$1600.00} from my bank account directly to US Bank on XX/XX/XXXX. Instead of applying the payment to the mortgage account, US Bank sent the funds back to my bank with no explanation why. When I tried to call in and talk with their agents they told me that they can't talk to me because I am not on the loan. However, US Bank has willingly accepted payments made from my bank account for over XXXX years.