davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SN SERVICING CORPORATION (DC)

My FHA mortgage loan servicing rights was purchased by SN Servicing Corporation in XX/XX/XXXX. I have a predatory FHA mortgage loan owned by XXXX XXXX XXXX XXXX, of XXXX, XXXX From the onset of SN Servicing Corporation 's involvement, I have disputed the balance they state I owe. I have written their company four times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and requested a mortgage transaction history and an escrow analysis from the inception of my mortgage loan to present. They have refused to accommodate my request all four times! Again, I have disputed the balance from the dawning of their involvement. I have no way of reconciling the balance they state I owe as well as the most sundry details of my account. This information is paramount to any borrower and required to comprehend the details of your mortgage loan! Each reply has not provided the documentation I have requested so therefore we are at a standstill. This company pretends to not comprehend Section 1024.35 of Regulation X or the Mortgage Reform and Anti-Predatory Lending Act, amendment to the Truth in Lending Act ( TILA ). XX/XX/XXXX I informed SN Servicing Corporation of the toxicity of my predatory FHA mortgage. I provided proof which substantiated all claims made, beginning with the first communication. The balance they claim I owe has fluctuated drastically and again, I have no way to reconcile any account activity. For a servicer to blatantly ignore my requests and pretend they don't comprehend the regulations and laws governing their servicing of my FHA mortgage is a travesty and injustice. I need your help, CFPB.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

XX/XX/2023 clarity services received my dispute that I mailed in. I sent in a copy of my drivers license, Social Security card, proof of residence, and all the paid in full letters. I spoke to a representative in XXXX. Who told me they were still working on the dispute. Then I called back XX/XX/XXXX and she admitted that they had the dispute over 30 days and didnt complete it. I have voice recordings from them showing that they are in the wrong. I will also include reference numbers from almost every time I called, requesting a supervisor. Ive been calling for two months and a supervisor wont call me back. Plus, they never processed my dispute. 

- [ ] Clarity services- spoke to in first part of XXXX as well as XXXX XXXX admitted it was over 30 days! 
- [ ] Clarity supervisor Tuesday or Wednesday case # XXXX - [ ] XXXX XX/XX/XXXX clarity services- [ ] XXXX clarity XX/XX/XXXX 6
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-03
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: DISCOVER BANK (NJ)

XXXX XXXX and Discover Card, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974. 
Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given Discover Card and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from Discover and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR REPORTING.
Consumer complaint received 2023-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquiries on my credit report. 

XXXX XXXX XXXX XXXX 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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (PR)

Discover 's promotional offer letter unfair practices Discover sent me a promotional offer letter of its transfer balance 's credit card to my current mailbox address without inconvenience. 

After that, I applied to the credit card and been approved, but the credit card never arrived at my current mailbox address. 

I called them to inform that the credit card never arrived at my mailbox, and they told me that sent it to my previous mailbox address at my parent house. 

I inform them that I do not understand why because the promotional offer letter was delivery to my current mailbox address without problem, then they told to me that will send another credit card. The new credit card never arrived at my correct mailbox address, and time after, I got the credit card that was sent to my parent house. 

When I active the credit card and tried to transfer the balance of another credit card, the option was not available because the promotional offer time was expired. 

The only reason that motivated me to get Discover 's credit card was the opportunity to transfer my credit card balances with XXXX XXXX for XXXX  months, in order to achieve payout all my credit cards debts in that period. Now they affected my credit report and my ability to get another credit card that allow me to achieve with my financial plan. I am from XXXX XXXX.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (AL)

On XX/XX/XXXX I started looking and found a loan that sounded decent to help build credit. On XX/XX/XXXX I was approve for the loan. It being a {$10000.00} loan with simple interest at 24.99 % for 60 months. I was told when getting the loan I would not be changed interest on the fees that were taken out of the loan amount. The amount was {$890.00} taken out of the {$10000.00}. The loan was financed for {$9100.00} at 29.82 % interest for 60 months. Interest being {$8500.00} throughtout the 60 months with a pay off of {$17000.00}. Come to find out I am being charged interest on the full {$10000.00} not the finance amount of {$9100.00}. This was and says everywhere including on their website that they offer simple interest loans. I was later informed the my loan is a DAILY Simple Interest Loan. That none of which is stated in my paperwork. The company at this point at is completely refusing to give me information so I can accurately pay off my loan. Due to the interest and what my paperwork says and not being able to effectively get basic information from the company and says they don't have access too it. It is now XX/XX/XXXX I am making on time payments of XXXX and have also paid extra with my principal hardly going down and the company will NOT provide any answers. They can't even tell me monthly how much of my payment is being split between interest and principal till a week AFTER I make my payment. To date I owe {$9500.00} on principal all though the finance amount was {$9100.00} and to date the pay off amount is {$9600.00}. This don't seem right as my vehicle loan is simple interest as well and gives me ALL the information I need and request.
Consumer complaint received 2023-12-06
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. (GU)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the Equifax data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the Equifax data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the Equifax data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.
Consumer complaint received 2024-05-03
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)

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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-17
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. (PR)

I have spoken with representatives at XXXX and received communication via email on my XXXX  account as Meets requirements of the Fair Credit Reporting Act. XXXX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the XXXX line item LATE PAYMENT be excluded
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

There was a hard inquiry from Capital One on my credit report on XX/XX/year> using an old address I have not lived at for almost 10 years and a phone number that does not belong to me. I have not ever tried to open an account with capital one. I contacted them and they said someone applied to open a business account with my information.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am receiving emails from Experian that are for another customer. I do not have a current account with Experian, which may be why my email address is some how associated with another customer 's account. This has resulted in the reception of security alerts, and other notifications meant for someone else ( I can provide the name and ID number upon request ) without a method to opt out or correct the issue ( since I do not have an account for the products in question, and no way to log into the platform ). 

The company also does not provide a clear way to speak to a human representative or resolve this type of issue. Emails are not monitored, and I'm instructed to seek help on the website. When I use the website, and call the posted contact number XXXX, the menu options prevent me from speaking to a human to clear up the issues I am facing.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PR)

Since at least early XX/XX/XXXX Citibank has been making me go through extra and extensive security measures repeatedly and for no reason. I've always been able to eventually access the account because of a method they informed me of when I complained, but the excessive security checks still continue. I have no problem with any other website except XXXX XXXX which is not letting me make transfers and makes me go through extra security checks other than signing in which didn't stop after I signed for two-step verification. I filed an ICE report with the FBI in XXXX concerning problems with Citibank.
Consumer complaint received 2024-02-03
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. (DE)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (MO)

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. 

Account Name XXXX XXXX XXXX  Bankruptcy Account Number XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
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. (PR)

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2024-06-16
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. (CA)

I have attached notification I received from the bankruptcy court stating that they do not provide information to third parties and I did not give them permission to have it. Under the Privacy Act of 1974 and Opt out laws, any authorization you believe you have is no longer valid and it needs to be removed from my credit report within four days.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PR)

I paid the balance due on my credit card, by the due date and I was charged interest. I called the credit card company and spoke to customer service supervisor XXXX. She refused to give me any additional information to identify herself. She explained that they employ a very tricky/confusing method of charging interest that is hidden in some small print in their terms. I typically pay off my balance every month, so I had no idea that they not only will charge interest on the balance carried over from the previous month, but then they also will begin charging daily interest on your purchases that month as well. If I would have known this, I would have immediately paid off my balance, but since the statement gave me an amount and a due date of the XXXX, thats when I paid off the balance. Since there was this confusion and I was not notified of a change in how they were calculating my interest charges, I requested a one time waiver of the interest charges and Chase refused.