davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX has false, unverified missed payments on my credit report that's dated XX/XX/2018 AND XX/XX/2018 that I am unaware of. I am requesting accuracy of these missed payments, and contract agreement, exc of this account that is due to me under the fair credit act, as I am entitled to me as an consumer. Please provide me with this information 15 days of receiving this complaint or delete this account from my credit report.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I recieved a letter dated XX/XX/18 from Huntington Bank that I was turned down for an auto loan not due to my high credit score of XXXX in the letter but that I had been delinquent on a past loan with them. 

I have never had a loan with Huntington Bank I only was on a Deed of a Home that my XXXX solely was on the XXXX with Huntington Bank.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX  XXXX XXXX verifying this information was incorrect & ordered by the court. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-28
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)

Believe I have a identity theft issues has several u authorized inquiries have been placed on my reports with all three credit bureaus and i have NOT AUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXX RETIRED XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (NY)

NewRez LLC XXXX Shellpoint assessed a predatory late fee of {$64.00} as it failed to and continues to fail to comply with FHFA regulations dated XX/XX/2023 and failed to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

( See attached exhibit A and B ). 


Simply stated the prior Covid 19 payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. 

NewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior Covid 19 payment deferment as a basis for denying the current 3 months request. 

I have not used any of the FHFA allowed to be deferred 6 months of payments based on XX/XX/XXXX FHFA guidelines. 
FHFA regulations specifically exclude prior Covid 19 issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. 

There is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

NewRez LLC/ Shellpoint simply ignore the fact that the previous 21 months Covid -19 deferment as a result of XXXX XXXX XXXXXXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to NYC shut downs and shelter in place and Covid 19 deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional 3-month deferral due to COVID-19. ( Verbatim from Shellpoints letter dated XX/XX/2023 ). 


NewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a COVID-19 payment deferral. 

This is a second formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

This is equally a formal request for NewRez LLC / Shellpoint to remove a predatory late fee of {$64.00} as NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 


Encl : FHFA regulations exhibit A and B.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

The ATM did not give money, I loss {$180.00}. I was trying to get {$180.00}, and PNC ATM fails and didnt give anything to me. The transaction in the bank passed. 
XXXX XXXX XXXX. 
It was with PNC atm, in XXXX, address XXXX XXXX XXXX, XXXX, FL XXXX. 
I immediately called to PNC costumer service, but nobody cant help me.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I opened the American Express Gold Delta credit card on XX/XX/2023. I was under the impression that I would receive the {$300.00} credit and bonus miles when I applied and got approved for said credit card. However, in XXXX I still hadnt received the offer. I called in XXXX and was told I would be updated on why the offer hasnt been applied yet. Then XXXX comes along and no response. I call American Express XXXX on XX/XX/2023 and was told I didnt receive the bonus offer, the bonus offer was declined. You could understand my frustration when I was told about this fraudulent act and lack of transparency. Why wasnt this told to me when I called the first time? Why wasnt I given the option to not continue the application when I first applied? I was transferred to a manger who said I was told I wouldnt get the offer during my application, however he wasnt there when I applied for the card. He claimed there was nothing he could due and its based on my history. He didnt have any concrete reason based on my history. Ive never had a late payment and Ive closed ONE card! I was there when I opened the card, and there was no pop-up about me not getting the offer otherwise I wouldnt have gotten the card or paid for a flight that wasnt worth the original price. As someone who has other American Express cards I was disgusted at how they treated their customer, a loyal one. Id also like to add about the manager claiming I got a pop up about this before the application went through, not only was he not there ( and was very dismissive, as if he was ) but others have mentioned they didnt get a pop-up as well ( Ill include it in my photo proof ). Im disappointed and would like for American Express to do a better job with being honest with their customers. Not only that but their communication skills were quite poor as I was told I would receive an update after I called the first time, only for me to have to call again because of the lack of an update.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXX XXXX  XXXX XXXX  Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX  Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting XXXX XXXX XXXX in amount of {$830.00} with opened date of XX/XX/2020. This account was purchased from original creditor on XX/XX/2020. Date account opened is incorrect.
Consumer complaint received 2023-12-26
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)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC (TX)

United Built Homes XXXX, XXXX Signed contract with the United Built Homes, Builder. The construction loan was 12 months no payments. I requested home be complete by XXXX, XXXX. The sales manager and construction manager said it would be closer to XXXX. However the contract does not state a completion date. 

XXXX, XXXX UBH poured foundation and began the build. 

XXXX, XXXX Construction Manager informed me the previous construction manager did not file any of the contracts that he was now having to complete. All construction stopped and I was told we were waiting for HVAC. 

XXXX, XXXX I went to file for my septic and driveway permit and was informed the builder never filed for a development permit. I filed the development permit at this time. 
No construction on home since early XXXX. 

XXXX, XXXX Construction loan has come due and an extension was completed to XXXX, XXXX. HVAC was installed late XXXX, no other work was completed on home. 

XXXX, XXXX Filed a complaint with the Attorney General and XXXX. Builder began construction late XXXX. 

XXXX, XXXX Payment is due. I requested an extension because construction is still incomplete and they have no closing date. XXXX extended to XX/XX/XXXX. 

XXXX, XXXX Closed on the house on XX/XX/XXXX. Requested information from builder regarding my prequalification which was at 3 % interest. 

XXXX, XXXX Did not receive prequalification information until mid XXXX. Did not make XXXX payment. Began talking to mortgage officer about refinancing. 

XXXX, XXXX Did not make XXXX payment. Still trying to refinance, but my debt ratio was an issue. Currently 60 days past due. 

XXXX, XXXX Spoke with XXXX XXXX with the builder and requested an extension in order to complete my refinance. He denied the extension. Made XXXX payment. 60 days past due. 

XXXX, XXXX Made XXXX payment. 60 days past due. 

XXXX, XXXX Did not receive a mortgage statement for XXXX. Called on XX/XX/XXXX to make payment over the phone and spoke with XXXX XXXX. He refused to take a payment by phone. He informed me I currently owe XXXX payments and the house was in foreclosure. I'm currently 60 days past due, with a payment due XX/XX/XXXX which would make it 90 days past due. I requested that XXXX send me the XXXX statement and/or the foreclosure notices, with no response. I wrote a check and sent it via XXXX  XXXX for delivery by XXXX XX/XX/XXXX in order not to go 90 days past due. 

I also informed XXXX XXXX that I had consulted with an attorney regarding wrongful foreclosure on the home. 

United Built Homes is the Builder and the lender. The construction loan is at 9 % interest. 

They delayed the building of my home ( 16 months ), refused extensions to refinance and have roadblocked my refinancing. I feel this has been intentional so they can maintain the loan at 9 % interest at $ XXXX per month. At this point they are playing games.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, Equifax, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CO)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ). 

However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( XXXX5 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX and XXXX XXXX, XXXX - XX/XX/XXXX, Multiple inquiries and duplicate accounts, unable to login into XXXX for days. There were Attempts to open a bank account with XXXX; contacted the fraud section ; receive a charge to current bank account for credit services via Credit Karma, did not request ; reported to bank. Credit inquiries on Sundays with a car dealership. Sent images of the XXXX inquiries to Credit Karma from their platform ; still reflects accounts not under the bureaus. XXXX and Credit Karma has compromised my data. Also checked with check systems regarding correct information and filed a dispute. The duplicated accounts and inquiries hinders applications and increases debt an estimated {$20000.00} and its not. Fraud and freeze alerts were started on XX/XX/XXXX.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent XXXX XXXX a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt