davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made number of disputes on company regarding incorrect reporting and transunion didn't provide me with how they are verifiy this information i haven't recieve mails from this company XXXX XXXX XXXX, XXXX XXXX  at all even though they said they sent information to me.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I opened my account a few weeks ago and received my card last week. Today, I went in and transferred {$980.00} with XXXX to meet some of the requirements for the checking bonus offer. I then transfer half of the money back and my account instantly gets blocked. I called and got bounced around and once I got to the fraud department, the rep informed me that they couldn't verify my account because the phone number I provided is not on the account, even though it's the same phone number I opened the account with. I asked to speak to a supervisor who hung up on me. I called back and get the the risk department again for them to tell me they needed to verify the transfer and it would take another 24-48 hours. They are holding my money and regardless of my verifying my account multiple times, they are holding my money for " Verification ''
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2024, I contacted Capital One to request assistance through a hardship program, as I am currently one payment behind on my account with them. Despite my clear explanation of my situation, I was repeatedly transferred between departments without receiving any helpful options. The only solution offered was to make a payment, which I explicitly stated I could not afford to do at this time. 

I informed Capital One that a higher payment was not feasible for me, and I requested alternative solutions such as better terms, a fixed payment plan, a lower interest rate, or the removal of late fees. Despite my willingness to make one payment and arrange a long-term solution, no assistance was provided.
Consumer complaint received 2024-06-27
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: Chime Financial Inc (CA)

I contacted Chime Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that Chime verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MA)

Good morning, I am desperate for help. This email is to share how a XXXX XXXX is making everything impossible for me to take possession of my homes and American homeowners homes. 

Please be advised that I didn't pay my mortgage XX/XX/2024 and XX/XX/2024 due to a hardship. Also, right after I missed my first payment I received phone calls daily from them demanding payment, not help. 

On XX/XX/2024 I contacted Fay Servicing to make both payments which they refused because they began foreclosure proceedings and didn't have the foreclosure costs. 

Surprisingly, I contacted the bank again and asked when they began the foreclosure process which notified me over the phone that the process began on XXXX XXXX, 45 days later I missed my first payment. 

On XX/XX/XXXX, I contacted the bank again to find out if they had the foreclosure costs and I was surprised with a {$5900.00} additional bill on top of the mortgage payments. Yes, according to the bank because I missed the XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX they decided to begin the foreclosure process and will not accept any payment until I pay the {$5900.00} to cover foreclosure costs etc. 

I have 2 loans with them and the other loan they are charging me {$5600.00} for foreclosure costs for a total of {$11000.00}. 

Fay Servicing told me that usually they " begin the Foreclosure process in 45 days and every single client has paid the foreclosure fees ''. 

Please be advised that I have money to pay mortgage payments and make payments up to date but they dont accept them and will continue the foreclosure process if I dont pay the foreclosure fees. 

Is it me or the bank is making everything impossible for me so the bank can keep the homes and make a big profit selling them? 

Please see attached and please help me find out if this practice is legal in the state of Massachusetts and how can I make payments and avoid foreclosure? I want to keep my homes. I need help. 

Cc'ed : XXXX /XXXX XXXX XXXX - XXXX XXXX - MA XXXX - XXXX XXXX / XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - Office of Inspector General ( OIG ) for the Board of Governors of the Federal Reserve System ( Board ) and the Consumer Financial Protection Bureau ( CFPB ) XXXX - XXXX / MA XXXX - Fay Servicing XXXX - XXXX XXXX - XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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. (GA)

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Reporting and Request for Removal of Debt Collector Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information being reported on my credit report by Experian. Specifically, the information pertains to the following debt collector accounts : XXXX XXXX XXXX XXXX : {$310.00} XXXX Funding : {$720.00} I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the relevant Code of Federal Regulations ( CFR ). Here are my specific concerns : No Contractual Obligation : I do not have any contractual obligation or agreement with either XXXX XXXX XXXXXXXX XXXX, or XXXX Funding. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including obtaining the consumer 's written consent. I have never given Experian written consent to furnish my information to or obtain it from these debt collectors. 

Violation of CFR : By reporting this information without my consent, Experian has violated several provisions of the Code of Federal Regulations, including but not limited to : 16 CFR Part 600 : General Provisions 16 CFR Part 601 : Procedures for Compliance with the Fair Credit Reporting Act 16 CFR Part 602 : Prescreen Opt-Out Notice These violations are significant, and I demand a remedy for each infraction.

As per 15 USC 1681i, I demand an immediate investigation into this matter. 

Please address this matter promptly and confirm receipt of this letter. 

Thank you for your immediate attention to this urgent matter. 
Best
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (FL)

A company named XXXX XXXX Attorney Law LLC is trying to collect {$200.00} from me, impacting my credit score. Supposedly the debt is in regards to XXXX equipment Ive never purchased any equipment from XXXX and I dont have any current balances with XXXX. I called the company and tried to get any kind of additional information but they mailed their collection bill. Its so frustrating that companies can just manufacture debts out of thin air.
Consumer complaint received 2023-08-28
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)

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
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: CLGF Holdco 1, LLC (FL)

Within the last month I have made payments of {$310.00}, {$340.00}, {$300.00} for my credit card to keep my balance low and within the last month my available credit is not reflecting my true balance which is also allowing the company to collect interest by not releasing the funds.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with XXXX XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

We have received a new license according to which CITI must unblock and send our money to our account in a non-sanctioned bank. ( enclosed ) Previously, we have asked CITI to transfer our funds, but we didn't received it back. 
We found out that the amount of {$57000.00} under reference XXXX that CITI have sent on XXXX XXXX to our XXXX account was returned to CITI bank. XXXX asked to send funds again but with choosing XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) as a corresponding bank while entering routing. As they do not use direct corresponding accounts with CITI. 

When enter routing of transfer in the field XXXX of current swift message CITI should indicate XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in that field. 

Also we send our USD account details in a non-sanctioned bank Bank details for USD payment : BENEFICIARY BANK : XXXX XXXX XXXX : XXXX  BENEFICIARY : XXXX Leader Fruit ACCOUNT : XXXX Also we kindly ask CITI to share with us SWIFT message after sending transfer via XXXX. 

Looking forward to your prompt assistance in resolving the issue. 



Best regards, XXXX XXXX
Consumer complaint received 2024-07-02
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. (GA)

I ) Experian is reporting negative information on my behalf without my written permission. 
II ) Experian is reporting unauthorized inquires on my report. The inquires are as follows : * XXXX XXXXXXXX XXXX XXXX XXXX * Mortgage XXXX XXXX XXXX XXXX ) Experian is reporting late payments from XXXX XXXX on * XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX ) Experian is reporting a late payment from XXXX  XXXX. I have never been late to XXXX XXXX V ) Experian is refusing to remove multiple aliases from my consumer file. The aliases are as follows : XXXX XXXX ; XXXX XXXX XXXX ; VI ) Experian is reporting addresses that I have never lived not do not reside. The address are as XXXX XXXX XXXX XXXX, NY XXXX XXXX ) Experian is not reporting XXXX XXXX XXXX XXXX XXXX with the information as follows : Status open ; Open XX/XX/XXXX ; Credit Limit XXXX {$900.00} Acct # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (MA)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I am in need of your assistance please. My wife and I purchased a house in XXXX while we were XXXX, and as you know the market collapsed shortly thereafter. In XX/XX/XXXX I XXXX was forced to leave my family behind to continue trying to sell our house. After a couple months of nothing, and an upcoming XXXX to XXXX we decided to contact XXXX XXXX XXXX at the time for assistance, and they said they would n't help us so we had to leave the house as is. 
After being in XXXX for a couple months a friend of mine moved into our house, and I took out a loan from my Grandfather to get caught up on the house. We than got a long term resident in the house with intentions to purchase the house from us after settling some things from his last house. We got stationed in XXXX XXXX in XX/XX/XXXX where we lived until XX/XX/XXXX. 
In XXXX XXXX our renter up and left the house leaving us with no notice or anything. My wife 's paycheck was going strictly towards the house for 7 months until my wife had to quit because of orders taking us to XXXX where we are currently stationed. While we tried with the bank to do a short sale, we were getting the run around which was very difficult being in XXXX, and it did n't seem like the VA was helping us get the documents loaded into the system, and I had to make daily calls for a week at a time to make sure things were getting done, and after about a month we got an offer on our house that was very good. I called Nationstar and the VA again almost on a weekly basis to try and get the house sold. After well over 90 days of waiting on the bank and making constant phone calls, there was a really bad storm in XXXX where rain had got in the basement and our sump pump went out. We were than notified that there was mold damage now, and the buyers backed out, and we do n't have the means to get the mold fixed, and the bank said they would not pay for it. 
So now the only thing I could think of was a Deed in Lieu, to try to get this house out of my name and try to rebuild my credit. I submitted paperwork to the bank 2 weeks ago, and since then have been contacted by the bank 4 times asking about the short sale, and how that process was going. Each time I had to explain again that I had submitted the paperwork to do a Deed in Lieu. 
I am now convinced that if personnel that work at this bank and handled my account had done their job my house would have sold when we did the short sale, and they should be held accountable for what they have done. If this is happening to me and my family I ca n't help but think if there are other Soldiers and families going through the same difficulties as I am. As a XXXX I had to try to reach out to someone in a position to make a difference not only for me but also for what could be numerous Soldiers and their families that are going through the same problems. 
Thank you for your time Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NJ)

Enhanced Recovery reported a debt to all three credit bureaus without validating the debt, according to the Fair Debt Collections Practices Act, 15 USC 1692g sec. 809 ( b ) .This action might constitute fraud under both Federal and State Laws. I will consult counsel for suit.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC (AZ)

DATE : XX/XX/XXXX violation of : 15 usc 1681 ( b ) - you do not have the right to report, unless you have authorization. 

15 usc 6802 ( a ) ( b ) - ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unles such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 16 cfr 313.1 ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to non affiliated third parties ; 16 cfr 313.7 - you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. 

THESE ( CFR ) LAWS TO PROTECT THE CONSUMER RIGHTS HAVE ALSO BEEN VIOLATED ; 16 cfr 313.2 16 cfr 433.3 16 cfr 433.2 ALL PARTIES FALL UNDER THE PRIVACY ACT OF 1974!
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (TX)

Dear Chase Bank, I am writing to formally lodge a complaint regarding the denial of my consumer credit transaction for an auto loan in the amount of {$94000.00}. This denial constitutes a violation of my consumer rights. 

As per 15 USC 1602 ( I ), the term " credit card '' includes any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition extends to my Social Security card, making it a credit card in this context. Therefore, when I used my credit card for the specified amount, I should have been credited accordingly. However, I received no benefit whatsoever, which is a clear violation of my rights.

Furthermore, under 15 USC 1691 ( a ) and 12 CFR 1002.7, it is against federal law to deny an extension of one 's own credit. If any representative from Chase Bank believes my assertion is incorrect, I request that they provide the specific consumer law that allows a financial institution to deny someone an extension of their own credit. 

Chase Bank advertises that individuals can be denied credit for not being creditworthy. This constitutes false advertising under 15 USC 1611. The concept of " creditworthiness '' is not defined in consumer law ; it is the consumer who determines their own creditworthiness. As I exercised my rights in good faith under 15 USC 1691 ( a ) to assert my creditworthiness, there should be no grounds for denial, regardless of Chase Bank 's internal guidelines.

Federal law mandates that all financial institutions abide by consumer law. I expect Chase Bank to comply with these regulations. Therefore, I request that my account be funded with the amount I swiped my credit card for and that this matter be resolved promptly. 

Failure to address this issue will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. 

Thank you for your immediate attention to this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX