davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these accounts and inquiry.
Consumer complaint received 2023-05-25
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GREENSKY OPERATIONS, LLC (OH)

I worked with XXXX XXXX  via XXXX XXXX to do our living room & laundry room XXXX XXXX XXXX floors. The quote was provided for a Tile removal and vinyl plank installation but on the day of the job they backed saying they cant remove the tile as it will cause door gaps & they made us to agree for a floor installation on top of tiles. We were cool with it as we will be avoiding a lot of money in labor costs & time. The gentle men finished the job & mentioned the revised bill will be sent to us later. When we received the bill we were surprised to see that only XXXX was refunded from the XXXX plus labor charges quoted. We were charged for labor charged of skim coat which was not at all installed on our floor & was treated pretty badly by the flooring company for several days. We had to actually send them videos of the indoor camera that we use to monitor our newborn baby to confirm that they didnot apply any XXXX XXXX & still was not acknowledged until I had to be on calls with the loan company & chase the flooring company for a month to get a refund. Having a new born & to be put through such a bad treatment & miss treatment is absolutely not right. I want to register this compliant to highlight ethical practices & wrong treatment by the Flooring company.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WI)

Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT EDXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unverified accounts without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX XXXX : {$560.00}
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

I hope this message finds you well. I am writing to express a concern regarding a recent transaction involving a gift card purchased through XXXX on XX/XX/XXXX. Despite successfully redeeming the gift card after encountering several errors, I faced an unexpected obstacle when prompted to fill out a verification form by Google in order to utilize the credited balance. 

Compliant with the instructions provided, I submitted the required form and awaited further instructions. Regrettably, on XX/XX/XXXX, I received a notification from Google indicating that due to identified inconsistencies between my account and the provided information, assistance in redeeming the gift card would not be feasible. The communication concluded without offering any avenue for appeal or resolution, effectively barring access to the funds I had legitimately allocated for use. 

The essence of my concern lies not just in the inability to utilize the redeemed balance, but in the broader implications of being deprived of a service for which I have already paid. This situation is particularly distressing given the absence of a clear recourse or mechanism for addressing what appears to be a misunderstanding or administrative error. 

In light of these circumstances, I am reaching out to request your immediate intervention to review this matter. It is my hope that together, we can identify a satisfactory resolution that respects the value and intent of my initial purchase. The inability to access funds rightfully mine, without a transparent and fair process to address such issues, raises significant concerns. 

I am more than willing to provide any additional information or documentation required to facilitate a review of this case. Your prompt attention and assistance in rectifying this issue would be greatly appreciated, as it not only affects my current situation but also impacts my confidence in future transactions.
Consumer complaint received 2024-03-06
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. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (DC)

On XX/XX/year> I received 2 emails and 1 text message from Chime regarding my 'new account ' with them. I never set up any sort of checking account or any other type of financial account with them. I contacted them and requested that they close the account immediately. They originally told me they would close it in 7 days ( even after I told them it was fraudulently set up! ) but after pushing back and telling them it needed to be closed ASAP, they complied and completed my request. I received notification that it was closed. 
When I contacted them, all I had to do was provide my full name and date of birth and they were able to pull up my account. They asked for the last four digits of my SSN but I did not provide that due to the fraudulent nature of this issue. But they had my full name, DOB, email address, phone number and mailing address. None of which I ever provided them. I also received a debit card to my home for this new account. Again, never opened up an account with Chime/XXXX XXXXXXXX XXXX XXXX 
So, either someone used my identity to set up a new bank account. Or, Chime fraudulently set this up themselves in an attempt to lure me in as a customer.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/2024 I was sent XXXX dollars by my mom on Google pay to help me with the purchase of a vehicle so I had transportation to and from work. Now as soon as that balance was sent I was able to make a XXXX dollar transfer and a XXXX dollar transfer to a friend for a ride to go look at vehicles and to buy us lunch. I found a vehicle and was looking forward to purchasing it but when I went to transfer my balance out of Google pay it came back with an error message and the {$2900.00} withdrawal was not approved and I got a message that my account was suspended and I had to verify my account now I just verified and had my account approved by google pay on XX/XX/2024 and have used it on a pretty regular basis every week to send money to pay bills and to receive money when I needed it. But now I had to re verify the account and so I sent them all required information, I sent a bank statement with the information to verify my bank account and debit card and then sent a picture of my driver 's license which was approved on the XXXX of XXXX. They did not approve it this time and after countless attempts I decided to call. Only to be given no use full information and I even tried to send verification info while I was talking to someone on the phone only answer I could get was I had to wait XXXX to XXXX hours for their support team to investigate and verify my information. After becoming very frustrated I asked to speak to supervisor on phone only to be told he would email me. Well 2 days later I received email stating they were permanently suspending my account and they couldn't tell me why and that it was a decision made by their team because now they couldn't verify my information and said it was suspicious. Then I read further to find out they will not be letting me access my balance of XXXX and that I could not use or withdrawal it or send it to anyone because my account was suspended for reasons that they won't tell me.. they won't refund it to my mother either, so now it's almost like they are stealing my money from me and I can't do anything about it, I'm about to loose my job because of lack of a ride. Please help me I've attached the communications email from the supervisor and the last email I got from Google support. 

XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I would like to do a short sale because I can no longer maintain the high mortgage payments of the home. I feel the lender, Nationstar, is trying to foreclose without allow me to sell the property. I have lived here since 2004 and this is a very difficult decision but I want to be be able to avoid foreclosure since the original lender, XXXX Bank, had committed many acts of fraud and even foreclosed while I was making payments. They sold the loan to XXXX as they begin to rescind the foreclosure. Since then I was n't allowed to make payments for years before Nationstar finally approved me for a loan mod. The loan was part of the National Settlement and I was paid a few thousand dollars for the errors. The balance of almost {$1.00} XXXX is over $ XXXXXXXX in late charges and the loan is an interest only loan. The home is worth less than $ XXXXXXXX but my payments or more than {$4600.00} per month. XXXX can not help due to the high balance, so I just want to be able to sell it. The home is XXXX and there is a lot do dispose of with that size of a home. 

Please allow me the opportunity to sell the home as a short sale to avoid foreclosure.
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: Experian Information Solutions Inc. (LA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX , XXXX XXXX , XXXX XX/XX/2021
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

The Debt Collector is trying me to pay the debt twice. I paid this debt on XX/XX/2020.Paid to XXXX XXXX, XXXX  of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by Comenity Bank. Than you for taking time to check this out. XXXX XXXX XXXX