davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (AZ)

I called Equifax, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me XXXX each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file? 

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now XXXX already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/2024 @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by EQUIFAX, because they could have easily removed it like XXXX did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Consumer complaint received 2024-04-22
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. (GA)

i have been recently trying to dispute collections XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the rest of the negative balances, i firmly believe that i am an victim of identity theft and would need futher help. i requested for XXXX, equifax or XXXX to remove because it wasnt my authorization and also i never had a contracts with the collections or gave pro-mission at any time .. and that it is a violation and against the law.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (TX)

aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. 
I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter
Consumer complaint received 2024-01-08
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. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-01-08
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. (MO)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-04-22
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. (LA)

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 : Account Number : XXXX 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 2023-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (MN)

During COVID, my husband lost his job. Flagstar offered several types of assistance. We agreed to do a process where the loan payments were put on hold and then put on the back of the loan once we were able to make payments again. During the process, we called Flagstar several times and asked numerous questions including what the negative consequences were if we were to go through this process. We were told over and over that there was nothing negative. We recently received a letter from HUD explaining that we have a lien and 2nd mortgage on our home. This was NEVER once explained to us. We just spoke with Flagstar and they said it was not their responsibility to tell us this information, even though we asked numerous times what the negative outcomes were. We are now unable to apply to have the PMI removed even though we would likely qualify for that now which would lower our mortgage payments by over {$200.00} per month.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Makes Cents, Inc. dba Advance.Cash (FL)

THIS COMPANY HAS NO CONCEPT OF WHAT MEANS FOR DEBT FORGIVENESS, I HAVE EXPLAINED TO THEM SEVERAL TIMES THAT I AM UNEMPLOYED, BROKE, NO CAR, NO JOB, NO FINANCIAL SUPPORT NOR ASSISTANCE AND CONTINUED TO CALL AND EMAIL WITH PROPOSED PAYMENT PLANS KNOWING THAT I AM FLAT BROKE AND HOMELESS!!!! I WANT {$1500.00} AND DEBT FORGIVENESS NO QUESTIONS ASKED OR I WILL SUE FOR $ XXXX UPFRONT!!! EVEN WITH SECURE EMPLOYMENT I AM UNABLE TO PAY ANYTHING AS I WILL BE FILING BANKRUPTCY DUE TO MY CIRCUMSTANCES!!!!!
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC (OR)

I called the number they gave me, Johnson mark LLC attorneys at law ... they said there is nothing I can do about it. I looked at my credit report only had XXXX credit cards. They have taken now over XXXX, and the state of Oregon is allowing them to take 75 % of my check. XXXX. {$1600.00}, XXXX. {$3600.00}, XXXX. XXXX XXXX. {$2400.00}, XXXX. {$2700.00} XXXX. {$770.00} XXXX. {$3600.00} XXXX. Another {$2400.00}... when I moved to Oregon I only had XXXX credit cards, XXXX XXXXXXXX XXXX... XXXX for XXXX, and XXXX. And a XXXX card, XXXX... I had to use them until I got a job, then started to pay them back, then lost my job, then 3 months later got a job, then the suing began. Please help, I put a freeze on my reports. I called and talked with XXXX, and he said I had to pay the debt anyway. He was rude, and said I owed the money. Now I no longer get served Oregon ( XXXX XXXX ) just puts them through with no problem. They won't allow me to dispute.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.Tried on multiple occasions to obtain report from trans union .

2. Online account compromised. Told expired. Requested I pay for account premium services 3. Not accurate reporting to bureau causing me not to qualify for life necessities that check credit 4. Called multiple times to various trans union numbers some times reaching onshore and offshore agents. Always requesting name bdate Ssn address and then every time call drops. Or no sound and then call drops 5.I was asked repeatedly to start new accounts I believe this is a form of fraud, retaliation or abuse. 
Please assist
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Love, Beal & Nixon, P.C. (OK)

XXXX and XXXX XXXX were the original creditors the debt was then sold to XXXX who uses Love, Beal & Nixon to collect their debts. The documentation and validation of the debts provided are redacted and do not include that amount that the alleged debt was purchased for by XXXX XXXX Love , Beal & Nixon. I have requested that unredacted documentation and have not received it. Collection efforts have not stopped and Love, Beal & Nixon is attempting to strong arm me into paying the full amount of the alleged debt by not providing that information and by not discussing a potential settlement. They have also filed a small claims suit and have attempted to serve my XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) multiple times while I am at work causing distress for him. I am requesting all unredacted documents related to this alleged debt, all statements of payments on the account, all interest and late fees accrued, all unredacted documents related to the purchase and exchange of this debt from XXXX and XXXX XXXX to XXXX and Love, Beal & Nixon.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

My roommate and I used to shop at this company that sells jewlry called shoplc. Starting in XXXX I saw XXXX charges on my credit card for XXXX. I called shoplc and a customer service person took all the stock numbers for these items.Did n't say much. I called Chase Bank where my credit card is through and just because both me and my roommate used to shop there tried to blame it all on her. She has her own tablet and does her own orders. She can't get in to my PC and she wouldn't do something so underhanded. Wouldn't XXXX orders in one month say fraud? Chase bank claims the items were shipped here. They were not as I would have returned them. If I can't get this resolved I am on the hook for nearly XXXX dollars worht of things I didn't order and did not recieve. Thank you.
Consumer complaint received 2024-05-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

I have an existing mortgage with PennyMac. 

I wanted to apply for a home equity loan. PennyMac 's website had an add that said : " Access cash from your home equity and keep your existing low interest rate ''. 

On XX/XX/year>, I applied for the advertised loan. When I was selecting the amount I would like to borrow, I chose the lowest option available of {$35000.00}. 

Today, XX/XX/year>, I was contacted by a loan officer from PennyMac who said the lowest amount we could borrow was {$50000.00}. That's {$15000.00} more than the minimum on the application. 

I was also told my interest rate would be 10.99 %. My existing mortgage rate was 3.5 %. I told him I would consider it. 

I went back to the PennyMac website and took a screenshot of the advertisement about keeping my low interest rate. 

I emailed the loan officer. He claimed that the phrase " Access cash from your home equity and keep your existing low interest rate '' didn't mean I would get the exact same interest rate as my existing rate. It does mean that! He was trying to charge three times more than my existing interest rate. 

In my email, I also asked about the minimum for the loan in the application being {$35000.00} when he had said {$50000.00} was the minimum. 

He said it didn't matter what the application said. The " investors '' wanted a {$50000.00} minimum. 

I have a screen shot of the advertisement and the email from the loan officer saved.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Dear sir or maddam upon looking at my credit score I see that CCB/XXXX  Account number XXXX has sold the debit to a third party collections company called Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX... 
I have not signed any binding legal document with this third party agency. hence as a result the fair debit collection act does not apply it is illegal and I want this removed from my credit score soon as possible as I am trying to increase my credit in order to by a home.
Consumer complaint received 2024-01-08
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. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

Citibank refused XXXX IRS XXXX withdrawals from my account. Citibank did not notify me of the refusal. The IRS sent a letter on XX/XX/XXXX with late fees and penalties due to the rejection of the XXXX. Citibank has the worst customer service. They claim the account was marked inactive. I was not notified of inactive status and my statements said nothing. I was told me to send a letter to activate it. I sent the letter, which they acknowledge. Citibank told me the letter was not sufficient and the " back office '' sent me a letter on XX/XX/2024 explaining the deficiencies. The letter has never been received. When I try to call a branch almost 2 hours from my house to try to access the funds, my call is re-routed to the same customer service team, which can not verify the exact information required to access the account in person. The account was opened online.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Consumer complaint received 2024-01-08
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. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (GA)

I've recently received 2 letters associated with the two accounts that are supposed to be closed, on XXXX XXXX my report shows both accounts are closed with a XXXX balance, but I have received two letters from Continental Finance Company associated with accounts ending in XXXX and XXXX, at this point I feel as thow I am being harassed and also it appears that Continental Finance Company is violating FTC XXXX XXXX and XXXX, everytime I request to speak with a Supervisor I'm denied or kept on hold for time periods past 30 minutes, also due to the nature of the associates being from XXXX, I received the impression that the representatives are being bias towards myself because I'm XXXX American.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (LA)

I am writing to file a formal complaint against National Enterprise Systems ( NES ) regarding their unethical and potentially illegal debt collection practices. Despite my efforts to resolve this matter amicably, NES has failed to provide adequate validation of a debt they claim I owe, and their conduct during communication has been highly intimidating and misleading. 

On XX/XX/year>, I sent a certified letter to NES requesting validation of the debt they are attempting to collect from me. Despite the legal obligation to respond within a reasonable timeframe, NES has neglected to provide any response to my inquiry. It is important to note that I have never entered into any agreement with NES, and their attempts to collect this debt lack any legal basis. 

Furthermore, during my recent conversation with a NES representative on XX/XX/year>, the representative exhibited an intimidating demeanor and spoke rapidly, making it impossible for me to comprehend the information being conveyed. This communication style creates a significant barrier to understanding my rights as a consumer and only serves to exacerbate the distress caused by NES 's actions. 

Additionally, NES has consistently failed to provide sufficient documentation or proof of the validity of the debt they claim I owe. Despite my repeated requests for verification, NES has not produced any evidence to support their claim. This lack of transparency raises serious doubts about the legitimacy of NES 's collection efforts and suggests that they may be engaging in deceptive practices. 

Moreover, I have reason to believe that NES is violating consumer protection laws by attempting to collect debts that are beyond the statute of limitations and employing deceptive tactics to coerce payment. These unfair and potentially unlawful practices must be thoroughly investigated and addressed to protect consumers from further harm. 

I urge you to conduct a comprehensive investigation into the conduct of National Enterprise Systems and take appropriate enforcement action to ensure compliance with applicable laws and regulations. Additionally, I request that you provide me with guidance on how to proceed in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I am writing to formally notify you of several violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, and to request the immediate correction of these issues.

Violation of Privacy Rights ( 15 USC 1681 Section 602 ) : Under Section 602 of the FCRA, I am entitled to privacy and protection against unwarranted disclosures of my personal information. The reporting of erroneous information on my credit report constitutes a violation of my right to privacy.

Unauthorized Account Reporting ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) of the FCRA specifies that a consumer reporting agency may not furnish a consumer report without the written instructions of the consumer. The inclusion of the following account on my credit report was done without my authorization : Creditors Name : [ Creditors Name ] Account Number : [ Account Number ] Prohibited Treatment of Payments ( 15 USC 1666B ) : Section 1666B of the Truth in Lending Act ( 15 USC 1601 et seq. ) stipulates that a creditor may not treat a payment on a credit account under an open-end plan as late if it was received within the creditors disclosed grace period. The reporting of a late payment on the following account is in violation of this provision : Carrington mortgage Given these violations, I request the following actions be taken immediately : 1. Remove the erroneous and unauthorized account information from my credit report.

2. Correct the reporting of any payments improperly marked as late.

3. Provide written confirmation that these corrections have been made.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense XXXX  to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX