davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage : First it was with a modification loan that ultimately resulted in a fail. I was then told that my only option was to file for a deed-in-lieu of foreclosure. I was told that I would be able to A. stay in the house for 3 months without paying rent and then I 'd receive XXXX for my moving expenses. B. Stay in the house for 12 months and pay a fair market value for rent and receive XXXX for my moving expenses. I choose the option to stay 12 months. I 've been asking for what the rent amount would be but nobody is able to give that to me. Apparently, I 'm finding out that there was a lien placed on the home from an ambulance company in my husbands name ( XXXX ). The house is in my name and my soon to be ex-husband does not live there or have any claim to the house. I may have to find the money myself to pay the lien. I 've been trying to call my representative, XXXX XXXX, to find out how much the rent will be before I pay my ex-husbands outstanding debt, but it 's nearly impossible to talk to him. Dates that I 've called : XX/XX/2016, XX/XX/2016, XXXX on XX/XX/2016, XX/XX/2016. I need to find out how much the rent will be before I pay off other peoples bills and I would also like to find out the chances of this being approved. The money used to payoff the lien could be used for another rental deposit if need be.
Consumer complaint received 2024-07-31
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. (FL)

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (IL)

You are listed on my credit report without my knowledge or permissible acknowledgement. In truth, you accessing my social security number without my consent is identity theft. What is worse is that you have not sent me a letter allowing me time to review such the alleged debt. Nor did I receive any notice of you implying I owe you money.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Chase offers a XXXX credit card, advertising additional rewards for spend at XXXX hotels  ( 4x vs 1x for all other spend ). In late XXXX, XXXX announced a partnership with XXXX XXXX XXXX  ( XXXX  ). In XXXX of XXXX, Chase updated their credit card terms to include these XXXX properties as eligible for additional 4x rewards. 

From an email sent directly to me on XX/XX/XXXX advertising this : Subject : Cardmembers Earn More in More Destinations Excerpt from body : " As a World of XXXX or XXXX XXXX XXXX, you can now earn even more when you stay at participating XXXX hotels. 
4X World of XXXX Credit Cardmembers can earn 4X points on eligible spend at participating XXXX locations. * '' This matches terms on the current credit card page at https :  //creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card : " Bonus Points : You'll earn 4 World of XXXX Bonus Points for each {$1.00} USD spent on purchases made at XXXX hotels and resorts ( including at participating restaurants and participating locations that are owned, managed, franchised or licensed by XXXX Corporation or its subsidiaries or affiliates ) and at participating XXXX properties. " XXXX XXXX XXXX '' or " XXXX '' means properties affiliated with XXXX XXXX XXXX of the World Limited that participate in the World of XXXX Program. " Participating XXXX  properties '' means any hotel or resort that is affiliated with XXXX and participates in the XXXX of XXXX XXXX. For more information about participating XXXX properties, please https : //hyatt.com/promo/small-luxury-hotels-of-the-world. '' I have stayed at several participating XXXX properties, and based on this advertisement, used my Chase card. 

On XX/XX/XXXX I stayed at XXXX XXXX. {$410.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX  XXXX. {$1100.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX XXXX. {$300.00} charged on XX/XX/XXXX. 
All three of these charges failed to post the advertised 4x rewards ( only posting as 1x for every day spend ). 

I have tried to contact Chase suppose on XXXX. First response from Senior Service Specialist XXXX just made up an excuse that hotels have to be owned by XXXX to qualify ( nonsensical as XXXX rarely owns any hotels, and contrary to published terms ). Following up, XXXX claimed Chase doesn't have the ability to determine what is a XXXX hotel, and therefore blamed XXXX. Unfortunately the locations listed are listed by XXXX as participating and linked to by the Chase terms ; therefore, failing to meet their advertising and contractual terms of the card.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (IA)

Experian is reporting this collection account inaccurately XXXX XXXX XXXX XXXX as an " OPEN ACCOUNT '' and also shows a past due balance which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-05-04
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. (MI)

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-07-31
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. (MS)

Recently, I reviewed my credit report and found several inaccurate items. After the investigation the items are still on my consumer FICO credit report. Under 15 U.S. Code 1681e ( b ) Accurately of report whenever a consumer reporting agency prepares a consumer report, it follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. After the reinvestgation under paragraph ( 1 ) of 15 U.S. Code 1681 ( 5 ) treatment of inaccurate information found the consumer reporting agency shall ( I ) promptly delete the item or information from the consumer FICO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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. (MS)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (GA)

To whom it may concern, an update to my Consumer Report was made as of XX/XX/XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$860.00}
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: Experian Information Solutions Inc. (NC)

i do not recognize these inquires. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordace 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. 

XXXX XXXX. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX/DEPT OF ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 an account without my written instruction 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 ) ( XXXX ) 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 2024-01-27
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. (GA)

i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance
Consumer complaint received 2024-01-27
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (MO)

I logged into my Discover account and found four fraudulent withdrawals- one ACH and three checks- totaling {$110000.00}. The ACH was for {$9900.00} to XXXX XXXX XXXX. The three checks were written from XXXX & XXXX XXXX to three different people and all were cashed at the Discover location in Delaware. Check amounts were {$29000.00}, {$49000.00}, and {$29000.00}. Despite the large amount these checks were written for, and the fact that my name was not on the checks and a company I have no association with was, no one from Discover contacted me for approval before cashing these checks. 

Now that I have reported this to Discover and been given a new account number, I can no longer access the copies of the checks in order to file a police report.
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$130.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX WA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XXXX I contacted this company and the representative in my state of Massachusetts, they told me that this account was closed and that they did not have this account in their records, I have called them and they say that the account does not appear. I am looking in my report that since XX/XX/XXXX they have not updated the information in my credit report and this account appears as an open account and this account was closed. It says that it has 2 late payments, but they have not updated the status since XX/XX/XXXX, which is false and affects my credit reputation. Since if what they say is true, there must have been more than 30 late payments. This account has false and inaccurate information because it also has an amount that does not correspond to it and the other Bureaus have only two late payments!! XXXX XXXX XXXX XXXX Highest balance {$1700.00} This account does not even have the balance with which it was opened, it has a lot of incorrect information.
Consumer complaint received 2024-01-27
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. (MA)

On XXXX XXXX XXXX This company is reporting that I tried to apply for bank credit card which is incorrect they was not clear about running a hard pull on my credit what was explained to me was that it would be prequalified soft pull not. Hard inquiry I in fact didnt not give them no consent what so ever to run a hard pull on my credit profile now because of this my credit score has dropped significantly and I would like to know why was I told by there website that the prequalified selection was indeed a soft pull I never asked or wanted to move forward with them to even have them run a hard
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible
Consumer complaint received 2024-04-10
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. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of america is reporting me a latte payment in my credit report when was not latte, bank of america must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/2023 I applied for a checking account with XXXX XXXX XXXX XXXX and was denied an account due to an alleged debt being reported to Checks Systems. I have no knowledge of the inaccurate information being reported to credit reporting agencies.I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Pursuant to federal law 15 USC 1602 the law states the consumer has the right to dispute inaccurate information reporting on the consumer report. I am requesting the original contract, wet ink signature, balance, contract and your company failed to provide evidence reflecting and proving the debt is valid.You have failed to provide evidence showing that I entered into a contract with your company.