davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (IL)

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-06-19
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: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX XXXX and Select Portfolio have colluded and are trying to foreclose on our property on XX/XX/XXXX stating that we owe {$840000.00} which we dispute. We reached out to SPS, an agent for XXXX XXXX XXXX ( the foreclosers ) for help with paying our mortgage payments back in XXXX and we were directed to go on the website for California Mortgage relief and seek help which we did. The CA mortgage relief organization reached out to SPS and requested for the amount that were past due in order to keep us in our home. SPS gave them a figure which the CA mortgage relief organization paid, almost {$35000.00} which was acknowledged by SPS. ( See attached Exhibits ). 
SPS, instead of continuing us on the regular monthly payment of {$2400.00}, increased our monthly payment to almost {$6000.00} in an effort to foreclose on our property knowing that we could not pay the {$6000.00} We were not able to pay it and now they have referred our home for foreclosure sale on XX/XX/XXXX. SPS and XXXXXXXX XXXX XXXX have operated in bad faith and have not dealt with us fairly. We believe that it is fraudulent to let the state pay all that money and then turn around to foreclose on the property. The CA mortgage relief is a program to help people get caught up with their mortgage payments and to help them retain their home. Instead, SPS and XXXX XXXX have used it to siphon out {$35000.00} from the state and have refused to place the arrears at the end of the loan in an effort to keep us out of our home. 
This foreclosure sale is illegal, invalid and procured by fraud. All we are asking is for us to continue making the {$2400.00} monthly payments starting from XX/XX/XXXX and for the arrears to be added to the back of the loan.
Consumer complaint received 2024-06-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received an egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. This was not helpful and was a big time waste. 
I don't have time to continue trying and failing. It takes time to set up info and then to have it declined is frustrating. 
American Express is disappointing me. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options. 
I just wish we had the old cards that actually worked and that way I wouldn't have to deal with this kind of thing.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Discover card has been reporting an old account inaccurately. The last payment made was in XX/XX/XXXX, but Discover is reporting it as XX/XX/XXXX. I have an email dated XX/XX/XXXX from Discover saying my account is past due by several months. I have emailed several letters to Discover and they refuse to correct inaccurate information. I am trying to buy a home and I am very distressed to see this on my credit report as it is damaging my credit reputation. I can barely sleep thinking that this is keeping me from my dream home. I need this inaccurate information removed from all credit bureaus.
Consumer complaint received 2024-06-18
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: JPMORGAN CHASE & CO. (NC)

INQUIRY - JPMCB CARD - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY - JPMCB CARD - XXXX
Consumer complaint received 2024-06-18
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-18
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: BARCLAYS BANK DELAWARE (FL)

XXXX, XXXX, and experian, continue to report inaccurate and false information on my credit report. They are violating the COVID 19 CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CARES ACT was in place to protect consumers against this.

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. Furthermore, Section 611 of the FCRA requ
ires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, XXXX, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, XXXX, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, XXXX, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, XXXX, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Consumer complaint received 2024-06-19
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: UNITED AUTO ACCEPTANCE (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-18
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: TRUIST FINANCIAL CORPORATION (OH)

Regional Acceptance has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/year> 2023
Consumer complaint received 2024-09-13
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. (MD)

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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Consumer complaint received 2024-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Maryland Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Maryland state laws pertaining to identity theft and credit reporting. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Maryland state law, particularly those addressing identity theft and fraud, emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-04-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX... Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

I was accepted into my graduate program with XXXXXXXX XXXX XXXX on XX/XX/year>. I committed to the program at the beginning of XXXX of XXXX  and did not receive information about enrolling in classes until my advisor informed me of them in XXXX. I sent an email on XX/XX/year> inquiring about my student bill and if there was a payment plan available. I also inquired about a grant  that could potentially help pay for my summer classes. I received a response on XX/XX/year> stating that the Summer XXXX  monthly payment plan enrollment period ended before classes began on XX/XX/XXXX, which was after the date I was informed of which classes I needed to enroll in for the summer. I did not receive any information regarding the grant I inquired about in that same email. I reached out to my advisor on XX/XX/year> stating that I could not pay my summer class in full before the fall semester because I was in between jobs after relocating from out of state. I was not aware that my account would be sent to collections, after many attempts at trying to resolve the bill. All the correspondence I had with the institution were inconclusive, obscure, and misleading. Despite completing a XXXX form, the institution failed to inform me that I needed to be enrolled as a full-time student in order to receive financial aid.
Consumer complaint received 2024-09-11
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I had a home internet account with XXXX XXXX XXXX. I cancelled the account in XXXX of XXXX. I paid the final bill on XX/XX/year>. I returned the equipment to my local XXXX XXXX The equipment is called a XXXX. I have documented proof that I paid the last bill and returned the equipment.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am writing to demand immediate action regarding inaccurate, misleading, and unverified information on my credit report. Despite my previous dispute, which included an FTC report, you have failed to delete the erroneous information within the legally required timeframe. This failure is a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Let me make it clear : my legal name is XXXX XXXX XXXX XXXX, and yet, your records falsely associate me with names such as XXXX, XXXX, and XXXX XXXX. I am seeing at least six incorrect versions of my name on my report. These inaccuracies must be deleted immediately.
Consumer complaint received 2024-06-18
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: HUNTINGTON NATIONAL BANK, THE (MI)

Multiple times I spoke with my bank at the time which was Huntington because I continuesly had my account fluctuating without any acknowledgement. Multiple times my account was being used and not by me! I brought it up Multiple times even spoke with the employees at Huntington and ordered a couple new cards. It did not stop
Consumer complaint received 2024-06-18
Product: Mortgage — FHA 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: Guild Holdings Company (TN)

I told Guild in XXXX XXXX my XXXX told us they cut are hours things will pick up in XXXX. We was working XXXX hours out of a XXXX hours shift. 

( Found out later this happen ) bank number put in wrong by agent my XXXX payment didnt come out .Western union payment was sent back need to be {$3600.00}. The manger told me XXXX XXXX XXXX XXXX on recorded line and I made it clear put it in my notes. Seen it will take time for the refund go back to XXXX XXXX /then you. When my {$1800.00} western refund hit back I could send the $ XXXX + XXXX ( {$1100.00} ) payment will be needed also my XXXX week XXXX check would make XXXX payments {$5400.00}. 

Finally get the refund took XXXX business days. They told me around XXXX after wait on refund I need to send in XXXX? Everything is on record line. Like Im confused n hurt. They can listen to the called on XXXX XXXX. I had a manger call me and told me make the XXXX payment after XXXX XXXX XXXX refund hit in XXXX. They wont accept XXXX got be XXXX sorry about the error. 


I also got XXXX XXXX to help they been working with me seen may and ( XXXX email with guild ) see guild ignoring the documentation we ask for also. I email guild over XXXX probably got XXXX replys. Every email I forget to put my loan number in get reply every time. The important email with thda with loan numbers ignored. Guild sent me the covid documents I ask in XXXX today XX/XX/XXXX. Thda offer to fund the loan if I applied hardship with my company anytime before XXXX XXXX. XXXX just not giving me that document. XXXX agent is my witness
Consumer complaint received 2024-06-18
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: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/year> I was getting ready to apply for an apartment when I checked my credit report and realized I had damages on my credit report. I can not apply for a home with these types of damages on my report. According to the XXXX XXXX XXXX ( B ) ( C ) Law there should not Be any damages to my report and its a defamation to my character. It is illegal