davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-27
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. (TX)

XXXX in disagreement with the accounts listed below, which still appear on my credit report even after your investigation. These items must be re-investigated immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXThese accounts are hurting my ability to obtain credit and are highly injurious to my credit score. It is my understanding that in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, Section 611, please provide the names and business addresses of each individual and items of whom you verified above so that I may follow up. Also, please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS with malice and intent after I contacted the tax office TO FIND OUT WHY MY TAX PAYMENTS were being returned and also refunded.SLS was receiving refunds because they made tax payments that were not correct.I reported them to CFPB because I could not get them to stop with charging fees that were not due.Paying tax amount that was not due.The proof is in the letters from XXXX XXXX XXXX.SLS refused to resolve .EVEN AFTER THEY ADMITTED IN XXXX XXXX XXXX XXXX XXXX  .SLS STILL ISSUED A 1098 SAYING THEY PAID {$2000.00} IN TAXES.SLS told CFPB they paid {$1700.00} XX/XX/XXXX and {$750.00} XX/XX/XXXX TOTAL {$2400.00} .SLS admits to {$700.00} refunds CFPB XXXX saying any other refunds they will forward to new lender they transfered loan XX/XX/XXXX ( I have the letter ) SLS SLS refused to correct the file with charges that when XXXX XXXX XXXX received the loan they reversed the FRAUD CHARGES, ONE was put in as a priciple curtailment of the loan.OTHERS WERE CHARGES TO TRANSFER TO INVESTORS XXXX also insited on payments that were not due refusing to accept canceled checks .SLS knew in XXXX XXXX XXXX XXXX XXXX XXXX was sending another refund {$640.00} SLS sent it back to tax office un cashed ( when they knew it was issued to them ) after they assured CFPB any other refunds they would transfer.Tax office reissued {$640.00} SLS cashed it XX/XX/XXXX SLS sent me a 1098 showing they paid taxes XXXX of {$2000.00} IMPOSSIBLE {$2400.00} was the lie thay told of paid taxes XXXX - {$700.00} ( admitted to CFPB ) {$1700.00} - {$760.00} paid by XXXX phone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX {$1300.00} payment - {$980.00} mortgage payment {$610.00} left XXXX REFUSED THE REFUND SENT TO THEM XXXX  NOT CASHING UNTIL XX/XX/XXXX So the 1098 sent to XXXX YOU HAVE A COPY ALSO I GAVE YOU XXXX  1098 SO YOU CAN SEE THE TATICS USED ON ME AND THE IRS THIS IS WHY THEY MANIPULATE XXXX LOAN TO GAIN FEES AND GET TAX CREDIT FROM IRS THEY DO NOT DESERVE I ALSO SHOWED FROM THE TAX OFFICE PROOF SENT TO THEM EARLY XXXX XXXX  IT ALSO SHOWS THE {$54.00} I PAID IN XXXX THEY REFUSED EVEN WITH TAX OFFICE AND ME THE STILL DID NOT CHANGE THE 1098. 
I HAVE PROOF OF my tax payments and the refunds i received because of their interferance ... ... .done with full intent to defraud
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chime Financial Inc (TX)

XXXX XXXX XX/XX/2023 Chime financial inc XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Chime Financial Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (CA)

I was accepted for a loan of XXXX $ with XXXX XXXX interest my monthly payment is XXXX $ a month but it is very difficult to keep up. I am doing the XXXX plan with the interest I will be paying around XXXX $ I am looking to file against them for a predatory loan.
Consumer complaint received 2024-03-27
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. (ID)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2023-12-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank said I owed for donations I made through Paypal Credit -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in Synchrony Bank. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from XXXX XXXX with the debt in their latest letter of XX/XX/XXXX  that demands {$530.00}. Eight months ago I sent a registered lettering to XXXX XXXX giving the details of why I do not owe them or anyone else this amount -- XXXX XXXX never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. I am a XXXX  XXXX in the XXXX XXXX and a former XXXX XXXX in the XXXX XXXX. I do not tolerate attacks upon my person in any way.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

NationStart Mortgage is a fraudulent and incompetent mortgage company that failed to properly posting and applying my mortgage payment for XX/XX/2016. I demand a criminal and civil investigation into its unlawful practices and a full restoration of my credit history and a civil compensation to me for the damage it caused. 

My mortgage was transferred from XXXX to NationStar without my prior knowledge XX/XX/2016, while I continued my monthly mortgage payment of US {$1400.00} to XXXX. I later saw my USD XXXX was transferred to NationStar on XX/XX/2016. However, NationStar did not apply this payment to my account and falsely reported a 30 day late payment to the credit bureau, and hence, destroyed my credit score. 

I made subsequent payment of US {$1600.00} ( a higher amount demanded by NationStar for no apparent reason to my later knowledge ) subsequently on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I absolutely do not owe NationStart any late payment. In fact, I over paid due to the transition phase. 

I demand a Department of Justice investigation of this matter, and I will report this criminal practice of NationStar to my state senator, XXXX XXXX of Massachusetts.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-11-08
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. (SC)

On 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 U.S.C 1681. 
XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy.

15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an 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, which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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 2023-11-08
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. (SC)

On 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 U.S.C 1681. 
XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy.

15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an 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, which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Last week I am not sure the date I made a double payment to Mohela which was taken out of my municipal credit union account XXXX days ago I received a reminder I did not make a payment when I did. I also sent MOHELA my original Employment certification form they told me they have not received it either. Mohela customer service is horrible they make you wait for over XXXX minutes on the phone I want proof and confirmation that my account is up to date and do not want to be charged late fees on my credit report
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from XXXX  XXXX bank asking me if I have applied for any XXXX  XXXX XXXX credit card and I told them no. But a hard inquiry was left over on one of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX XXXX  XXXX XXXX XXXX and XXXX. 
For XXXX of showes few items On TransUnion if showes XXXX items Like XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank you
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-12-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I trust this message finds you well. I am writing to bring to your attention a concerning incident related to an order I placed with your company. On [ date ], I ordered two identical items, both of which contained lithium batteries. Regrettably, upon delivery, one of the items displayed a significant puncture, likely incurred during the manufacturing process, as it was inadequately packaged without proper secondary protection. 

Given my professional involvement with lithium batteries and the associated risks, I made the decision to refuse the delivery promptly. This was an unprecedented situation for me, and I sought guidance from the delivery driver on the necessary procedures. According to the driver, obtaining documentation during the return process was not advisable. 

Approximately one week later, I reached out to your customer service department to inquire about the status of my return and refund. To my dismay, I was informed that, according to your records, the package had been delivered successfully. Despite providing photographic evidence of the damaged package and a detailed explanation of the circumstances, the response I received indicated a lack of acknowledgment and understanding of the issue. 

I am genuinely interested in resolving this matter amicably and am open to your suggestions on how we can proceed. However, it is disheartening that the responses thus far have not reflected a proactive approach to addressing the concerns of a valued customer. 

In an attempt to seek resolution, I pursued a charge-back with my bank, submitting evidence of the damaged package and a comprehensive explanation. Regrettably, my dispute was denied on two separate occasions, further complicating this matter. 

I implore you to reconsider your stance on this issue and take the necessary steps to investigate the mishandling of the delivery and subsequent lack of cooperation. As a consumer who values the integrity of the products and services received, I am puzzled by the apparent indifference to my situation and the challenges encountered during the resolution process.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and did not receive a response from the credit bureaus within 30 days. By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX  INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXXXXXX , COXXXX , XXXX XXXX XXXX XXXX XXXX , CO XXXX,
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (LA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

On XXXX, I received 2 debit cards with my name by mail, I have never open account at Well Fargo. I went to Police, Social Security office, and Well Farge near my house. Well Fargo staff helped me claim on XXXX and said hold for investigation. They close 2 accounts, but refused to close the 3rd credit account under my name. I have mail in a reconsideration a week ago but they claimed that they don't have it. I called many times to Well Fargo but it is still unresolved. Recently, It has greatly affected my life. My credit score decreases. I need help.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to XXXX. I was effected by a late payout of unemployment money and stimulus payments. Capital One said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

Capital One is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.