davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Yet another complaint against Nationstar for the fraudulent fake auctions, made up values, and belief that they are not required to adhere to XXXX and FDCPA guidelines. Honestly, when will the CFPB actually do something about this organization? 

Nationstar has run this property through their fake auction system ( in order to gain a 5 % buyer 's premium for their own personal benefit at the expense of their investor ) and surprise surprise .... No bidders. The counter offer then made to the original buyer was once again ridiculously over market value. When asked if they could explain the value -- - we were told that they do not release value information in direct violation of ECOA guidelines. When asked the last time that they had had someone inside the property to value it ... ... NO RESPONSE AT ALL. This is likely because they have not had anyone in the property and the limited pictures that they do have were given to them by us. Which raises the question .... Where did the value that they countered us at come from? They made it up and it has no basis in fact. While I know that Nationstar 's business model ( as outlined last XXXX in the XXXX ) is to defraud their investors, borrowers, and the federal government ( yes, we just caught Nationstar again defrauding the Treasury Department on a HAFA short sale and have an ongoing complaint on that file ) at some point the CFPB needs to stand up and say enough is enough. 

I would appreciate if Nationstar would actually complete an interior value on this property and counter the buyer appropriately ... .. I know that their goal is to attempt to get this buyer to leave so that they can attempt to run this through their fake auction again in hopes of getting a 5 % buyer 's premium ( once again at the expense of their investor ), but enough is enough.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX accounts XXXX XXXXXXXX opened XX/XX/XXXX and XXXX XXXX XXXX accounts XXXX XXXXXXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BRCLYSBANKDE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/2017.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (MD)

On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff
Consumer complaint received 2024-04-11
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I received a promotional offer from Citi. If I opened a new savings account between XX/XX/2022 and XX/XX/2022 and put in {$50000.00} or more, I would receive a {$450.00} bonus. 
I opened the account about XX/XX/XXXX. That was the day the account was funded with {$50000.00}. I received an email from Citi on XX/XX/XXXX " Thank you for enrolling in the Citi Accelerate High-Yield Savings Leveled Bonus Offer '' So I know I had followed the rules of the offer. 
I have not withdrawn any finds form this account, so I should have qualified for the {$450.00} bonus. 

I have called in several times and finally opened a dispute on XX/XX/XXXX. 
I've received no updates. When I call in, they just say the dispute id still pending. 
The dispute number is XXXX. 
Thanks, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

The bank suddenly, without notice, closed my account on XX/XX/23 apparently because I was deemed a threat to the bank. I requested information today on how they decide when a person is a threat to the bank. However, they did not give me any reasons why. They simply said that it was a done deal and there's nothing that I can do to correct the issue. They mentioned that a letter was mailed to me on XX/XX/23 however I have yet to receive it. I have not given JP Morgan Chase reasons for this to happen. I have been a member of this bank for more than 15 years and have never had any problems.
Consumer complaint received 2023-05-01
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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)

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts and paid, never late. 

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-02
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)

Transunion has repeatedly failed to provide accurate and validated documentation for a bankruptcy on my credit report that does not belong to me. I've consistently asked for documentation and information, per my consumer rights, relating to how the information is valid. I have not filed for Bankruptcy within the United States of America, ever. There is a bankruptcy on my Transunion report ONLY that they have failed to remove. No bankruptcy exists for me. I have contacted the court ( attached ) and they have also stated they do not report such information to third-parties such as credit bureaus. This must be removed ASAP or I will file a lawsuit. 

NOT A DUPLICATE CASE.
Consumer complaint received 2024-04-11
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)

I am writing to dispute illegitimate XXXX XXXX accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any XXXX accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, Equifax, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Consumer complaint received 2024-04-11
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (TX)

I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (HI)

On XX/XX/18, I made a call to ACS or Conduent ustomer service about my student loan trade line item on my credit report from XXXX. It is being reported as 120 days past due. However, the student loan was transferred to another office, called XXXX, and is being reported as current. Both of these are showing on my credit report. I explained to customer service that their reporting is misrepresenting my credit profile as non-current when, in fact, it is current and in good standing. 

Customer service says that it was in default at the time it was reported. At that, I was contacted by another office who was willing to help me out of default through loan rehabilitation. When I finished that program, my loan was transferred to XXXX of which payments are in good standing. 

There should only be a single line item for my student loan, which is XXXX. ACS will not remove their derogatory information upon my request. I have reached out to XXXX via a credit dispute and they informed me that to contact ACS. My dispute to XXXX was that I have duplicate accounts on my credit report which is my student loan.
Consumer complaint received 2023-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

JC Penny incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/XX/2020
Consumer complaint received 2023-04-22
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. (OH)

Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.
Consumer complaint received 2023-05-01
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. (NY)

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2018-08-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (CA)

I was attending XXXX XXXX of XXXX back in XX/XX/2016. I was granted financial aid and the balance that I owed was added to my government student loan account. I have proof that it is being paid through my student loans. However, the school was immediately closed down due to fraudulent practices by the federal government and I was never able to complete my program but was still responsible for the amount that was added to my loans. So this company ( XXXX XXXX XXXX ) claims I owe them {$280.00} from the school but they have not produced any information in writing. They added to my credit report for non payment and has damaged my credit. I have tried to reach someone at this company but there is NEVER a live person that can answer the phone. Every time I called the number on my credit report it goes straight to a voice mail machine on the very first ring. And NO ONE HAS RETURED MY calls after calling numerous times. I have filed a complaint with the credit agency and I know that I don not owe this debt. I want this REMOVED FROM MY CREDIT REPORT because both the school and this company have fraudulent practices
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )