davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company (CA)

during covid my husband lost his employment so we entered into a forbearance, upon that ending we resumed making payments and then received an email in XXXX XXXX XXXX  from Guild Mortgage offering a disaster loan forbearance due to flooding in the area. We entered into that XXXX or XXXX of XXXX and upon that ending Guild stated that because we were $ XXXX over the limit that we would have to agree to new terms taking our 3.2 % interest to 7.3 % interest or go into foreclosure, I asked why cant we pay the $ XXXX outright and resume payments per the original terms agreed upon and they stated that's not an option and agree to 7.3 % or go into foreclosure. This was never communicated to us prior to entering into the disaster forbearance and I had several calls w/ guild mortgage XXXX i imagine and nothing communicated in writing either, upon the disaster forbearance ending if you're over a certain amt that the loan will need to be resubmit per new deal terms. Had that been communicated we would have never entered into it or paid the $ XXXX to resume payments, again I did not reach out to them to enter into a disaster forbearance they emailed me. This is unethical and ive been in touch w/ hud XXXX hera + several lawyers and the feedback is that this is illegal and we were taken advantage of, I'd like to correct this asap. Hud even stated that they have seen this happen w/ other people, absolutely unethical. our payment has increased over $ XXXX and it's all interest and less than {$200.00} going to the principle balance. Let us know our options. Thanks in advance
Consumer complaint received 2024-06-04
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. (FL)

I'm very concerned about some accounts appearing on my credit report that I did not open or authorize. This appears to be a case of identity theft, which is extremely distressing. I have previously raised this issue, but the fraudulent accounts remain on my report. Their presence misrepresents my true credit history and financial responsibility. This inaccurate information could prevent me from achieving important goals like buying a home to support my family. I am hoping we can resolve this quickly by removing the unauthorized accounts from my report. However, if a resolution can not be reached through proper channels, I will have no choice but to pursue legal action to protect my rights and credit standing. Please treat this as an urgent matter - the ongoing negative impact of identity theft on my credit report is causing significant stress and financial hardship. I am counting on your assistance to correct this unlawful situation promptly.
Consumer complaint received 2023-10-26
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. (NY)

I am a victim of identity theft. I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

This is a copy of the letter I sent to Chase bank. 

XX/XX/XXXX Dear Chase Bank, I am a customer with Chase bank. I am a victim of a job scam and bank scam. 
I got a job offer from XXXX XXXX XXXX XXXX in XX/XX/2018 which I thought was a genuine company. They said they are an Escrow company. 
I completed my employment registration and was given tasks to make payments to clients involved in escrow. 
The company sent the money into my Chase checking account through XXXX for me to give to the escrow clients. Because I was not required to deposit checks into my account or to spend my money I thought everything was genuine. 
I did not receive any salary or bonus from them. 
On XX/XX/XXXX I found out my Chase checking account was frozen and I called Chase bank who told me someone told them the money deposited into my account was not authorized by them, Chase bank told me the froze the account to conduct their own investigation. Then I realized I was a victim of scam. 

The scammer called Chase bank to make himself or herself the victim and me the culprit to get back all the money they sent. I am the real victim with sleepless nights and my bank account frozen and reported to XXXX. I waited for weeks for the bank investigators to contact me and hear from me, no one contacted me from the bank. This is where Chase bank erred, if they had contacted me to find out my story they would have got to the bottom of finding the culprits before making a decision to revert the payment. 

On XX/XX/XXXX Chase bank reversed the payment to the scammer leaving a very huge deficit in my checking account. Did the scammer tell Chase I stole money from their account even when they paid it themselves. So I filed a claim with Chase bank on XX/XX/XXXX for Chase to look at my evidence and find out the real culprits before they get other victims. I called Chase bank again on XX/XX/XXXX where I was told to submit copies of my evidence to any Chase branch manager in XXXX, Texas. I was able to do so on XX/XX/XXXX. Also see Case Number- XXXX XXXX XXXX where all the evidence to support my claim was provided. 
Hoping the deficit will soon be reversed. 
Thank you for your consideration. 
Truly yours, XXXX XXXX
Consumer complaint received 2024-07-22
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: CREDIT ACCEPTANCE CORPORATION (MI)

Upon Checkin my Credit report, I noticed these unauthorized inquires on my credit report and have suitable reason to believe I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (IL)

" Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

In the past ( and present ) my consumer rights violated with the following credit reporting agencies : XXXX, XXXX, XXXX XXXX XXXX XXXX .These companies were reporting inaccuracies. ( To which this company gathered their information from 1 or if not more, information from these agencies ) .I 've sent a letter to asking for validation of debt, with reasonable debt in reasoning that my accounts were compromised. This company has acknowledge there wrong doings, and has resulted to reporting derogatory remarks on my account. 
Violation # 1 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement Violation # 2 ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.
Consumer complaint received 2024-03-02
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. (IN)

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (TN)

THE ACCOUNT WAS CHARGED OFF I PAID THE ACCOUNT BACK IN XXXX TO XXXX THE COLLECTION COMPANY. IT HAS BEEN ALMOST 4 MONTHS AND THE INFORMATION HASNT BEEN UPDATED TO PAID ON MY CREDIT REPORT. I HAVE SENT IN SEVERAL DISPUTES AND EVEN CONTACTED THE COMPANY NOTHING WAS UPDATED. i AM IN THE PROCESS OF BUYING A HOME AND CLEARING UP NEGATIVE INFORMATION.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MA)

On XX/XX/year> I recieved an email stating that XXXX approved payment for XXXX XXXX. I do not have XXXX or XXXX so I called my bank ( Citibank ) and notified them of the charges. They stated that no funds were actually taken and that completed the call. 

On XX/XX/XXXX, I recieved a phone call from someone named " XXXX XXXX '' ( XXXX, ext XXXX ) and he said he was from the Citibank XXXX XXXX Department. Since I had called Citibank myself I had no reason to believe that he was an imposter. He claimed that several attempts were made to compromise my bank account. He stated that my funds were safe and asked if I would be interested in helping to catch the criminal who tried to take funds from my account. Over the course of several days we spoke over the phone and he sent me two email addresses with IP addresses stating that multiple people were trying to obtain money from my account and that it seemed to be an " inside job ''. He even had me screenshare my mobile phone stating that this was to provide protection on my mobile Citibank account and mobile phone. " XXXX XXXX '' stated that in order to arrest the criminals I needed to send {$30000.00} as a international wire transfer and that once the criminal was caught the funds would be voided and I would receive my {$30000.00} back into my account. 

On XX/XX/XXXX XXXX called me and walked me through the steps on my phone to send the wire transfer to someone with the name XXXX XXXX. Within the next several days I NEVER received a phone call from Citibank alerting me of the transfer, to verify the person I was sending the money to, what for and to even question if this was an authorized transfer. Despite my calls over the days from XXXX XXXX XX/XX/XXXX I was still told by Citibank that everything was fine. 

On Friday XX/XX/XXXX, " XXXX '' assured me that my account funds would be returned and all would be well. After 2 weeks " XXXX '' told me that the person was captured and that I should see my funds back in my account soon. Two weeks passed and I became very skeptical and called Citibank again. The Citibank representative over the phone stated that he believed these phone calls were scammed and that I needed to immediately close the account.
Consumer complaint received 2024-05-14
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. (MA)

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/2021, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and Experian ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/2021. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. ) This is securities fraud and identity theft!
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2023-12-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IN)

As an XXXX XXXX Barclays credit card holder, I scheduled automatic payments in the amount of the most recent statement to come out of my checking account monthly on the date the payment is due. This month, Barclays took out XXXX payments, in the amount of the statement balance of XXXX, at the exact same time on XX/XX/XXXX, the statement due date, instead of the one that they should have taken. I have screen shots of the transactions as well of how the payment was scheduled to have happened. 
I called them on XX/XX/XXXX and was great accused of making the double payment myself. When I explained that was not what happened, that I had a scheduled auto-payment through their online payment portal, I was then told by the first customer service with whom I spoke and her XXXX to whom my call was escalated, that I would have to wait XXXX billing cycles ( XXXX months ) for them to return the money they took without my authorization. When I told them that I would contact my bank to have the unauthorized ACH withdraw corrected, both the agent and the XXXX told me that if I did so I would be charged a return of payment fee. I called again on XX/XX/XXXX and spoke to another XXXX and was told the same thing. They verified that even though it was their error they could not return my money for XXXX business cycles. I asked for a higher level XXXX and was told I would have to wait XXXX hours for a call back. I was also told, again, that they would charge me a return payment fee if I went to my bank. 
I went to my bank today and they have reversed the charges for the second payment and the unauthorized payment of {XXXX} was returned to my account. 
XXXX filing this complaint because I believe that their refusal to immediately correct their error, their holding my money that they essentially stole from my account for XXXX months, and their insistence that they will charge me a return payment fee so that I can get MY money back in a timely manner is not acceptable and they should be held accountable for changing these practices that harm me, as the consumer, because of their error.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Also please be aware that Im the person writing this complaint. Im not using a 3rd party such as credit repair to help me. I notice a charge off on an account which is XXXX to be incorrect. I have the following letter to prove its not a charge off because i have a Deficiency Waiver Agreement which cancel any remaining indebtness excluding any contribution required from the borror. Please remove this from my consumer report. It is the reportiong agency responsibilities of furnishers of information to consumer reporting agencies Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!