davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

A debt that was created by ex husband by XXXX and who which has sold the debt to Jefferson Captal Debt Collector back in XXXX in the amount of {$890.00} is showing up on my credit report. My last name was formerly XXXX but have been divorced now for XXXX years. My ex husband XXXX XXXX had this account with XXXX and should be responsible for this. I reached out via online to dispute and this is still on my credit which is not fair. please help
Consumer complaint received 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Security National Financial Corp (TX)

On my closing, XX/XX/2020, I was supposed to receive XXXX, per my attached closing Disclosure. 
I have contacted the mortgage company, with no response or call back for years. 
I have also contacted the Title company who stated that no money was sent to them to be disbursed at the closing.

I have contacted XXXX as well as reached out to XXXX.

To this day I have not received a response or conclusion to this matter.

Security National Mortgage Company has cause me a lot of anxiety and grief. They have put me in the credit bureau with an open account for a mortgage, that was sold to XXXX XXXX XXXX, that is showing late payments for over a year, how can I owe two mortgage companies for the same house? I have reached out to have this account deleted from my credit report with no success. No return phone calls from messages left to resolve this issue.
Consumer complaint received 2024-05-11
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: Bread Financial Holdings, Inc. (CA)

THIS WAS FRAUD. NOT MY ACCOUNT. I HAVE GREAT CREDIT AND I PAY ALL MY BILLS ON TIME. I HAVE CALLED AND CALLED THE COMPANY AND NOTHING IS RESOLVED SO NOW I AM DEALING WITH YOUR AGENCY IN HOPES OF HELPING ME. DUE TO LAW 15 U.S.C 1681 THIS IS NOT LAWFUL AND I NEED ALL FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

Biockchain advised me on XXXX XX/XX/XXXX that a transaction of XXXX XXXX from my Crypto.com account ( available on request ) is currently under review as it has been flagged as money laundering. 
To proceed with the approval of my withdrawal they require *a copy of my current Passport ( which has been submitted and acknowledged as received ) *A refundable security deposit of 10 % to be made to a neutral block wallet The funds are currently held in the Blockchain until XX/XX/XXXX This date has been extended several times and is now XX/XX/XXXX. 
However they are now sayng that the deposit is now only 5 % which seams like a scam
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have submitted disputes through your online platform on [ dates ], providing comprehensive details and supporting documentation to substantiate my claims. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I received my annual escrow analysis from NewRez LLC, my mortgage company. and Informed I had a surplus in my XXXX  account for {$1100.00}. The statement was dated XX/XX/year>. As a XXXX resident I have the option of receiving a refund check for that amount or chose to apply it towards my principle or escrow account. I sent an enclosed form requesting for a refund check. That form was sent out on XX/XX/XXXX. After over a month I still hadn't received the check. I contacted a service rep on XX/XX/XXXX and I was told that the check was sent out on XX/XX/XXXX. He said that they would receive another check with XXXX to XXXX days. Check has never arrived. I contacted another service rep who also said that the check was sent out on XX/XX/XXXX. That is not true because as a XXXX resident a refund check can not be issued until I request that refund. There is no way they could receive my request for refund prior to them sending out a check. This is under XXXX law requiring the borrower to submit a request for refund or hold for escrow. Again according to law I should of received this check within XXXX days of the analysis, date XX/XX/XXXX, XXXX I was then told my funds would be direct deposit in XXXX days. The second rep I talked to said that they would direct deposit to my account, that never happened. Both reps mislead me and Newrez is not abiding by XXXX mortgage escrow refunds law..
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n 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 USC1681. these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

I had made several big purchases from XXXX XXXX totalling around $ XXXX. I did not receive these items. I tried numerous times to dispute it directly with XXXX and they refused to refund me despite not receiving my items. I went ahead and opened a dispute with discover and they ended up closing the dispute not in my favor and reposted the charges to my account. I do not believe I should have to pay for items I never received.
Consumer complaint received 2016-11-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My mortgage company has increased my monthly payment from {$800.00} to {$960.00}, with out notice. Claiming this is due to a shortfall in our escrow, and an increase in our insurance premium. There has never been a shortfall in our escrow, and our insurance premium has not changed since before Nationstar acquired our mortgage. I have confirmed this with my insurance company. Also Nationstar overpaid our insurance premium, and will not acknowledge that the insurance is anything other than what they have stated, which is increased by 15 %. When contacted about the issue, I have received several answers to the reasons behind the increase, 1 ) our taxes were reassessed, and the tax rate has been increased, 2 ) there was a shortfall in our escrow account, 3 ) our insurance premium has increased. 1 ) My Tax rate has not gone up since the house was built, 2 ) there was never a shortfall in the escrow account before Nationstar became our mortgage servicer, 3 ) our insurance premium has not increased since we bought the house, it has decreased. I also never received anything from Nationstar letting me know that they had purchased my mortgage, I had to contact my previous provider to find out how to pay my mortgage.
Consumer complaint received 2024-06-10
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. (AR)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (AR)

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$50000.00}.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden1 Credit Union opened XXXX unauthorized accounts in my name, causing a negative impact on my XXXX XXXX, despite reporting the fraud and providing an affidavit, and I'm urgently seeking their closure and removal from my credit report. 

Golden1 Credit Union open XXXX account under my name and address XXXX XXXX -- -- -Amount {$1.00} on the date XX/XX/XXXX XXXX checking -- -Amount {$0.00} on the date XX/XX/XXXX XXXX. XXXX XXXX -- -Amount {$15000.00} on the date XX/XX/XXXX All this XXXX Account is not belongs to me. I never heard about this Golden1 Credit Union. After that I got XXXX a month Report and some check book. I was surprised and I called Golden1 Credit then they said I need to do fraud report and have to do affidavit. and I did report and Affidavit on date XX/XX/XXXX. and they said it will take around XXXX month to investigate and closed the account but still this account is open and I am getting XXXX XXXX. With this reason My Problem is my credit scored is goes XXXX XXXXXXXX credit Bureau it shows XXXX payment to Golden1, which is not mine. 
Please I want to Closed this account as soon as Possible and Remove this Golden1 Credit Due payment. 

Thank you
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (OH)

On XX/XX/2022 a deposit was made of XXXX dollars into my current online banking account a deposit of which I did not send. On XXXX XXXX my current online bank took XXXX dollars out of my account saying the deposit did not clear after a month. I have reached out to both companies and neither company will offer any help to resolve this issue my account is now in the negatives by a good margin
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have an issue about the points accumulation for the most recent statement on chase card ending in XXXX. 

I tried to contact chase both via phone call and their internal message system to try to fix the issue, but I never got any reply. ( XXXX ) I am including the original message below, and the supporting doc I uploaded to Chase as well in the attachment. 


================================================================= i have a question about the points accumulation for the most recent statement. 

Even I have a reversal transaction ( XX/XX/2023, category as other for rewards earning purpose ) within this statement, I had more spending ( some with category as airline tkts, car rntls, rstrnts for rewards earning purpose ) which leads to a positive statement balance, and which should lead to a positive reward points accumulation on this statement. 

However, I got a Negative XXXX points on this statement. 

Please help to fix the issue, and I am including a detailed dollar amount and reward points calculation sheet for you to review. 

Thanks
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

XXXX was taken from my account. I contacted the bank and told them this was an unauthorized payment. I was asked if I had a receipt for the XXXX year subscription and I said yes. I was given a refund. Now today the payment was taken out again in a reversal. I called and was told an investigation was done. I have sent the receipt and a picture of the purchase which is good till next year via email as requested. I was told it would take weeks to investigate my claim before I received a refund. No notice was received the payment was being taken out again after I have already told them it was an unauthorized payment. I don't think any investigation has taken place and it was just easier for them to reject the claim and have to do their job myself. Any other time a suspect transaction has taken place I have been alerted and given a chance to respond. I have filed a complaint about their procedure process with the bank. This is the XXXX  time they have been told this is an unauthorized payment.
Consumer complaint received 2024-01-10
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
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: Experian Information Solutions Inc. (FL)

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 14 usc 1681. 

XXXX XXXX XXXX  ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX