davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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. XXXX XXXX XXXX XXXX Account : XXXX, XXXX - XXXX XXXX  Account : XXXX, XXXX XXXX XXXX Account : XXXX, violated my rights. 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 2017-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I closed my mortgage in  XXXX     2017. Wells Fargo has not provided me any bill whatsoever and when I call there   XXXX   number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-22
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 have contacted the 3 major credit bureaus many times within the last 3 months bringing this grave misrepresentation to their attention. The following items has been reporting the same account twice on my credit report. This has hindered me twice the negative affect giving a review of my credit worthiness. Please see the attached proof of this mis justice. same XXXX XXXX account with multiple reporting. I'm demanding the immediate and permeant removal of these accounts.
Consumer complaint received 2023-09-24
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)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX XX/XX/XXXX Personal Information Update Equifax ; I just looked at my credit report and was shocked to the amounts of errors you have listed. I am writing to have them immediately removed. 

The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following account has been paid in full via negotiable instrument received by the company. 
The following account needs to be reported as paid in full or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate ALL data for this account, every notion, dates and balances, whether reported or not The following inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like them all removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that each of these violations are {$1000.00} per each error and account per 15 USC 1681n ( a ) ( 1 ). I will be attaching a bill of particulars for your convenience. 

As the consumer I need this resolved immediately. See 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

By provisions of the Fair Credit Reporting Act, I DEMAND that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-08
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: CITIBANK, N.A. (NY)

Citibank has closed my credit card, XXXX 's card as well as my wife 's credit card. 
They refuse to advise me for the reason they closed them and state they have the right to close any account for any reason or for no reason. 
They also forfeited all thank you points and cash rewards earned which is totally unacceptable. 
My wife and I have never been late in paying our accounts and.we did not experience such a situation with any other bank.
Consumer complaint received 2017-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

Hey Chase, my money has been held in chase for about 3-4 months now I had a check and didnt have a ID at the time and signed it over to my mom which she mobile deposited into her chase account she opened, they said they couldnt verify my phone number in my name and said I cant go up the the bank with my social and my id and the original check with my mom the person who deposited my chdck. I got a new phone for XXXX $ and still said they couldnt verifty my number and at this point its like my funds are being held for no reason they called and verified with the bank a cashiers check and keep saying my number isnt registered to my name when it is. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( my check )
Consumer complaint received 2023-09-24
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. (WA)

I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a Capital One credit card and they introduced a new feature- Capital One XXXX- where you can get rewards for shopping at a variety of different stores. I made one purchase and spent extra because there was an opportunity for rewards from Capital One XXXX. This was my first purchase using Capital One XXXX and the transaction was on XX/XX/XXXX. On XX/XX/XXXX I received an email that said that my account was suspended. There was no information as to why, they only linked the terms of service. I read through the terms of service and did not violate any of the terms. I have subsequently tried to re-read the terms of service but the page no longer works. I tried calling and they said I had to email for help because they couldn't accessing anything over the phone. I emailed and the response I got was : " Thanks for contacting Capital One XXXX! 

We regret to inform you that your Capital One XXXX account has been suspended. We reserve the right to suspend your Capital One XXXX account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One XXXX on your specific browser type. 

We appreciate your understanding. 

Because my account is suspended I don't have access to the rewards I collected from that purchase, and the subsequent purchases I thought I was making and getting rewards from, didn't count because my account had already been suspended. When I made those secondary purchases, there was no indication that my account had been suspended. It appeared as if I was still getting the rewards. It wasn't until I searched in my email for my rewards that I saw my account was suspended. 

Without them giving me any reason to suspend my account, I believe their business practices are fraudulent. I researched and saw that there are a number of others who have had a similar experience with this service.
Consumer complaint received 2023-09-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (SC)

I requested a bill statement from the creditor, and account holder. The information enlisted on the report is incorrect. Please remove the following accounts and information from my personal credit report including XXXX, XXXX, XXXX, my social security number and address. It does not belong to me. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have sent  two  documents  ( DL & SSN ) to    XXXX   on  XXXX   XXXX .     They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   XXXX
Consumer complaint received 2024-01-03
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. (CA)

XXXX violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

How by reporting a late payment on my credit report that is more than 60 days and the law states violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

( account ) XXXX 15 USC 1681n civil liability because Ive been violated You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mortgage was transferred to Nationstar as of XXXX/XXXX/XXXX. Since then our payments are not posted in a timely manner or for the amount sent. 
for example payment cleared our bank on XXXX/XXXX/XXXX for XXXX per the payment history received from Nationstar the payment was not posted until XXXX/XXXX/XXXX and only for amount of XXXX. 
payment cleared our bank on XXXX/XXXX/XXXX for XXXX but was not posted to our account until XXXX/XXXX/XXXX and only for amount XXXX When our loan was transferred to Nationstar from XXXX we only received a good by letter from XXXX but no welcome package from Nationstar. So had to contact them to make sure the payment amount was the same as XXXX. I was told it was the same so that is what we are sending but they are only posting XXXX Have to call every month to get a payment history as they will not allow use of the website. Try to get information several times as to why it takes so long to post the money and why it is less than we sent. sent them the exact same documents attached and all they will state is they have no record of sending me the history every month and they are posting the money for what we sent. Have been unable to resolve the issue with Nationstar as they are not willing to listen or review the documents I sent to them as proof of what they sent me. Have been calling them every month since XXXX XXXX to get a payment history but they deny sending it each month.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

On XX/XX/ I was first offered a loan for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social security number was crossed with someone else 's social security number. Therefore, I could not get the loan because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the documents at lease 20 times. However, nothing ever happened because the information is still wrong in XXXX 's system. I sent my drivers license and utility bill ; however, no help. I spoke to XXXX on numerous occasions and was told that they are pulling my social security number and information associated with it from LexisNexis. I told them their information regarding my SSN was wrong, however, I was not given any help whatsoever other than being told that there's nothing they can do even though they know my SSN is wrong in their system. I also spoke to LexisNexis regarding this problem. I sent my drivers license and utility bill ; however, their system has not been updated and I have been denied {$100000.00} loan for my business over 20 times because of this issue. 

I have tried numerous times to get both XXXX and LexisNexis to correct their databases pertaining to my social security number. However, I have received no response as to how they will correct the issue they have caused with no regard for how it has negatively affected my business.
Consumer complaint received 2017-05-13
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: Experian Information Solutions Inc. (OH)

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit reporting act these creditors and companies XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I recently pulled my credit report and noticed inaccurate information being reported by XXXX from an alleged account From XXXX XXXX XXXX XXXX XXXX is reporting that the account was closed XX/XX/year> until now, while Equifax is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand 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. with this, XXXX is not following the consumer right law and I would like for this information to be DELETED immediately.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please note that XXXX XXXX XXXX have replied via the cfpb to furnish requested information but have not done so as of XX/XX/XXXX. Macys have also not furnish requested info as well. There has been multiple request from XX/XX/XXXX to this current date XX/XX/XXXX where I have informed the companies that the accounts was established with my information without my knowledge and should be treated as fraudulent. My most recent request was in XXXX of XXXX asking for application establishment and similar information regarding the formation of the application but the company has refused, by simply stating the account is verified.