davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I disputed the unverifiable Public Record being reported on my credit report in XX/XX/2023. The dispute results came back " verified/belongs to you. '' I contacted the Court of Record and the third-party used to verify public data. The Court Record stated they do not provide or validate any information. The third-party, XXXX, stated that the information was unverifiable and removed deleted the information. 

I then sent another dispute on XX/XX/2023 and included the letters I received from both places. I looked online and saw that the investigation was closed on XX/XX/2023, with no results displayed. On XX/XX/2023 I called to receive the dispute results and was told by an Equifax representative that the dispute results were that the information was verified by the Court. I asked how that was possible and I was told that I would be sent a letter. I asked for this to be escalated and was told that was not possible because the information was verified. 

The first time I disputed the inaccurate information I was told that Equifax verifies the information through XXXX. When I provided proof that XXXX had removed the information because it was unverifiable, Equifax then claims they got the information from the Court. 

This is a violation of federal law.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (IL)

At this point, I'm retaining an attorney if you can not stop what's happening. I told you FORD MOTOR COMPANY refuses to take a debt off. Instead, they repost the debt as new to keep it on intentionally longer than allowed. Further, I told you the XXXX collection debt can't be a collection as it's actually on my report as a closed by consumer paid in full debt, so how can it be positive AND negative at the same time? 

Please do your job and get FORD MOTOR COMPANY who has now moved themselves back as a newly delinquent debt on my XXXX and XXXX account as well as changing their name on another of the XXXX agencies as XXXX of XXXX. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update 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
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my qritten instructions.

15 USC 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 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I was charged overdraft fees without the account being overdrawn and while a dispute was going on for an account error with the card creating duplicate charges and fraudulent charges.Since I've gone to bank to resolve the issue only for the representative to take the card and have the card active. This created more issues and more fraudulent charges.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX XXXX ( Late Payment ) As part of the dispute. I requested that you reinvestigate the information and provide me with proof of reinvestigation as required by FCRA.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (SC)

The purpose of this complaint is to cease Hunter Warfield 's unlawful reporting on my consumer report. According to the FCRA under 15 USC 1681 b ( 2 ) they can only report in accordance with written instruction from me the consumer. I have had no contract or any contacts with Hunter Warfield regarding any alleged debt.

Also, due to the fact that they are in relationship with numerous of companies to buy consumer credit information with the intent to extort consumers for a payments which makes them financial institution as defined un

der 15 USC 6827 ( 2 ). They have a responsibility to provide disclosures to consumers to safeguard non public information and may not report anything about me unless they can provide the following disclosures : 1 ) Purchase agreement that gives the right to report an alleged debt 2 ) They have clearly and conspicuously disclosed in writing that my information can be disclosed to a third party 3 ) Such disclosure giving me the opportunity to opt out of having information in your data base reported about me to any third parties. 4 ) A disclosure giving me an explanation of how I can exercise my nondisclosure option. If they fail to provide any of these doc
umentation requested can be provided then Hunter Warfield would be in direct violation of the FCRA and FDCPA and never had a right to report anything without without my consent.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/XXXX, I was sent a letter from LVNV funding claiming that they had " purchased '' a debt and that I owe them money. However I have never signed a contractual agreement with this agency nor have I given this debt collector previous written consent to contact me about an alleged debt. This is a clear violation of 15 U.S. Code 1692c. As stated in the section, " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. Again I express, they had neither my prior consent or a contractual agreement with me or permission from court to contact me. Please view attached exhibit.
Consumer complaint received 2024-05-06
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: DISCOVER BANK (TN)

I became aware of unauthorized hard inquiries on my credit report from XXXX XXXX on XX/XX/XXXX and Discover Financial Services On XX/XX/XXXX. These inquiries were made without my knowledge or consent, impacting my creditworthiness.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a basic credit card through Capital One. I was declined for among other things, no term debt, a credit score of only XXXX, it was XXXX two weeks prior. 

This is the second time that I have reached out to the CFPB to assist me, and I really didn't get a resolution with XXXX XXXX  ( CFPB Case # XXXX ), and now a denial from Capital One. I still need assistance with this case as well. I did reach out to Capital One by US Mail at their XXXX XXXX XXXX location, with a cover letter, a copy of my credit score from XX/XX/22, and only some of the pages from my XX/XX/22 credit report. 

It is true that I do not have any term debt currently, having paid off all of those obligations as agreed many years ago. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2015-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX
Consumer complaint received 2024-01-12
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: JPMORGAN CHASE & CO. (CO)

I was traveling in XXXX and went to a store where my tap didn't work, so they asked to use the chip. I did and quickly noticed a transaction for XXXX that I did NOT authorize. I called my back and they cancelled the card. My mom, who I was traveling with had the EXACT same thing happen at the same store. Her money at her back was refunded, and Chase Mastercard is saying that I approved this transaction when I did not EVER agree to the transaction. I'm sure there was a skimmer on the machine where I used my card. Chase Mastercard is saying I did approve, when I never did and is asking for me to pay when this was clearly fraud. Why would I spend XXXX on groceries at a place called XXXX XXXXXXXX XXXX and the same exact thing happen to my mom from XXXX XXXXXXXX XXXX for XXXX. I want this removed from my card as I did not ever approve the purchase and it is clearly fraud. I have been with Chase for years and have never filed for fraudulent charges unless it was actually fraud. I've been a loyal, honest customer for years and can not believe this is happening. Also, why didn't chase fraud department call me when a XXXX purchase was made which is CLEARLY a suspicious charge when all of my other charges on that card were for souvenirs and trips in XXXX XXXX It should never matter if the card was still with me, it was clearly a skimmer. Again, I never authorized this purchase and contacted chase immediately with concern.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a credit card with XXXX XXXX XXXX that XXXX XXXX. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to XXXX. 
XXXX investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, XXXX has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by TransUnion that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called TransUnion and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After XXXX year of XXXX 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was just recently sold to Nationstar mortgage from XXXX XXXX XXXX. I have been trying to get my PMI of {$160.00} removed since we have 20 % into our mortgage. After several attempts to get the paperwork, I received it 2 months late. I have tried to e-mail, regular mail and have tried to fax it to more than XXXX fax # 's that were giving to me by nationstar employees. The faxes do n't ever go through, and when I call they just give me another # that does n't work. They receive my payment checks but seem to disregard the paperwork about the PMI cancellation. Their lack of professionalism has cost my family hundreds so far.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # : XXXX, has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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 2023-09-28
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: EQUIFAX, INC. (IL)

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Consumer complaint received 2022-12-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-24
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 (LA)

This morning ( Thursday XX/XX/2023 ), I received an email from Wells Fargo stating my account balance in my checking account reached XXXX dollars. I logged onto my banking app and saw that two charges were on my account that were fraudulent. Both are purchases from " XXXX '' which I have not heard of before. One charge was for {$420.00}, the other for {$440.00}. I immediately called Wells Fargo to report the fraudulent charges. I was told that a new debit card would be mailed to me and an investigation would launch. I asked if I would be refunded the amount originally in my checking account as both these charges are still " pending '' according to my banking app ( still pending as of XXXX the same day, 10 hours after I called them ). The Wells Fargo representative told me she could not guarantee the money would be refunded and I would have to wait until the investigation was completed.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (OH)

I attended the XXXX XXXXXXXX XXXX XXXX : XXXX and was regularly lied to and persuaded to take loans out to continue my education at the XXXX. They regularly made pervasive and widespread substantial misrepresentations on my potential career opportunities my education, job placements, and future costs of education. I was told on multiple occasions that if I refused to sign the loan agreement forms, I would be removed from student housing and no longer welcome at the school. I was often told to stop into the office to sign paperwork for the next semester without being told that I was signing loan agreement forms. Many of these loans had variable interest rates not provided to me and were split into smaller individual loans to hide the total costs. I still have both Federal and Private loans from the XXXX XXXX. The Federal loans are being discharged because of Borrower Defense. 

I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX The Private Loans - Currently handled by Navient Loan 1 - Original Principal - {$23000.00} -- Current Balance = XXXX $ ( XXXX in interest alone ) Loan XXXX - Original Principal - {$22000.00} -- Current Balance = XXXX $ ( Interest payed {$40000.00} ) Loan XXXX - Still in Repayment - Original Principal - {$15000.00} -- Current Balance = {$25000.00} ( Total Accrued Interest {$23000.00} )
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (DC)

In early XXXX, I applied to open an account with Chime. After filling out my application and providing the requested information, I downloaded the app. After trying to log into the app and website, I reached out to Chime on XX/XX/XXXX, to let them know I was unable to log in. By this time, I had not received any welcome or other emails from Chime. The same day, I received a response from Chime stating that they were unable to independently verify my information, and my application failed. Ultimately, my " enrollment attempt was declined. '' I started receiving emails from Chime on XX/XX/XXXX, about my new account. For the rest of XXXX, I received various marketing and other emails. However, I didn't receive any snail mail from Chime ( letters, debit cards, etc. ) On at least one occasion, I emailed Chime to let them know that I did not have an account with them and requested to be removed from their marketing mailing list. I never received a response from Chime. 

I didn't receive any emails in XXXX or the majority of XXXX. 

On XX/XX/XXXX, I received another email from Chime concerning changes to their privacy notice. I again emailed Chime, letting them know that I did not have an account with them, and requested that I be removed from their mailing list. I received a response on the same day, informing me, " Chime has closed the account in question per your request to prevent further unauthorized activity. '' I responded by stating that I didn't make that request as I didn't have an account and shared a screenshot of the email I received in XX/XX/XXXX stating that my enrollment attempt was declined. 

I was sent the same email several times until I requested information indicating I reapplied after XX/XX/XXXX, had my application approved, and was given an account number. After this request, I received an email stating that if I wish to " receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last 4 digits of your SSN AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). '' I have no reason to believe that anyone other than Chime used my ID to open an account without my knowledge or consent after my initial application failed. Failure of Chime to even provide my account number to the email address they have associated with my " account '' also raises my suspicions about what occurred and their business practices.