davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Account XXXX This account was charged off on XX/XX/year>. Since then the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should not include inactive payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this properly after I asked to have this removed TWICE. This neglect has violated my rights. I am demanding DELETION of this account : XXXX XXXX account number XXXX Their are different account balance amounts, different account open dates, repeatedly reporting charges and inaccurate dates of last payment.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is my new Mortgage servicer/ Note Holder/ Collection Agency. 
I say this because I don't have a Contract or Mortgage agreement with Mr. Cooper. 
They have been Billing me for my Monthly Mortgage payments for a few months now. I sent a letter asking for ALL DOCUMENTS Including my original Mortgage Note and they didn't provide anything of the such. They have raised my monthly note almost XXXX. 
They have NOT PROVEN they have any interest in my home as far as having the rights to Bill me monthly, they have NOT SHOWN ME ANY PROOF OF PURCHASING MY MORTGAGE AND NOTE. I have NO CONTRACT WITH THIS COMPANY AT ALL. 

THEY WILL NOT COMPLY WITH MY DEMANDS, THIS IS MY ACCOUNT AND I HAVE THE SUPREME RIGHT TOKNOW ALL THAT IS GOING ON WITH MY ACCOUNT. 
I HAVE A MORTGAGE WITH XXXX XXXX XXXX XXXX XXXX XXXX. I CURRENTLY DISPUTING WITH THEM ABOUT DEBT VALIDATION ISSUES. So I don't know anything about this Mr. Cooper Company, and again, have NO CONTRACT WITH THEM. 
They have claimed to be the Debt Collector, Note Holder and Servicer. They can be only one of these Entities..
Consumer complaint received 2023-05-08
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)

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (SC)

This debt collector acquired my nonpublic private information without any consent which constitutes identity theft. Its a violation of my privacy pursuant to the privacy act of XXXX. An unlawful transfer.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Bank closed my checking account without any advance notice. I called them and they said it was due to inactivity. However, I had just transferred funds to the account and now those funds are locked up until the bank can return them. 

I asked why they closed my account without notice and they said they made a mistake. They refused to reinstate the account Since they closed the account I haver no access to the account number now.
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: Experian Information Solutions Inc. (DE)

I have multiple accounts reporting adverse information. I would like to opt out of this information being publicly displayed on my credit report for other companies to see. According to the Gramm leach bliley act and as a federally protected consumer I am well within my rights with this request. There are also collections agencies reporting things on my report that of things I have no knowledge of.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Over the course of approximately 6 years, I was charged surprise overdraft fees after Regions approved my debit card purchases. 
These fees amounted to thousands of dollars. i would not be exaggerating in saying it was $ XXXX. 
I have not been contacted, nor have they made an attempt to compensate me. The fees became such a burden on me that I allowed to account to be charged off. I opted out of overdraft protection and they still hit me with fees after allowing my card to go through. This company made it to where I could not pay my mortgage and/or car payment on multiple occasions. 
It is unsettling that people like this are allowed to walk around free after knowingly bilking working class people out of XXXX XXXX 
XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  has continuously violated my consumer rights. I've disputed this account multiple times and they have failed to add this to my consumer report in the comments section.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates 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 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance continues to sell incorrect information to XXXX. The note that is being used to make profits for Flagship Creedit Acceptance belongs to the Estate and since the estate has equitable title and interest rights all profits that have been made from the sale sis due to to the estate. XXXX is a data furnisher that sells information to various entities for profit missing private estate property for commerce is against federal law.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX bank account number XXXX Credit report is showing a balance of XXXX However, the account was closed and written off. When I reached out to the company, I was told to fill out a XXXX and file my taxes. I was not able to pay off anything on the account because the account was closed. 

I filed my taxes and it has been acknowledged by the XXXX. However, it is still coming up on my credit report with a balance. I spoke to the company and they say that theres nothing else they can do but supply with a XXXX I need this trying to purchase as soon as possible.
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

A letter was addressed to me. This letter should've have been addressed to my in care of person ( my daughter ) and myself. I signed a paper stating I will return all moneys. I did not understand what I was signing. I was legitimately XXXX from a XXXX XXXX in XXXX  which caused me to be hospitalized 5 times and XXXX  as XXXX XXXX XXXX I submitted years of medical info and was accepted by SSI as XXXX. I do not owe this money back because i was XXXX according to SSI, my doctors and family.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates 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 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS had the locks changed on a property while a short sale is being negotiated. I was told by XXXX at SLS on Friday XXXX/XXXX/15 I would be called in 2 days to meet at the property and they would give me a key. As of today, XXXX/XXXX/15, I have not received a call from anyone. Foreclosure sale date is XXXX/XXXX/15 and SLS 's actions are preventing the short sale from getting completed.
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

There have been numerous attempt ( XXXX ) to initiate more debt upon my report ( XXXX ) and record ( XXXX ) when I have worked hard to fix my credit. 
Such action ( XXXX ) and practice ( XXXX ) against me are unlawful, illegal and unfair/deceptive trade tactics in the highest form of discrimination.
Consumer complaint received 2024-02-03
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: AMERICAN EXPRESS COMPANY (WI)

Several fraudulent atm transactions were made with out my card and without my consent totalling XXXX and additional charges in the form of fees that american express serve is holding me accountable for. The transactions were made on XX/XX/2024 at an atm located at XXXX XXXX XXXX the city and state is not named in the information available to me. The person made several withdrawals over a short period. As soon as I noticed the transactions by recieving a text message from amex saying that I had a decline fee I called amex to report the fraud and had my card deactivated and requested a new card be sent out to me. I then filled out the dispute forms amex told me I had to fill out innorder to dispute these fraudulent charges. I was now told today that they are declining my dispute and saying that I authorized these charges which I did not authorize. I then called and requested the reason and documentation as to how they reached their conclusion and was told they would send an email to someone else in a different department to reopen the dispute but was told they could not tell me if the dispute was or was not being reopened. I requested phone numbers to contact the people in charge if the dispute and was told they could not give out any numbers except the same account security number I was already on the phone with. The attached document includes the card number of the card that was deactivated. I have provided the current new card number as well.
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC. (CO)

The mortgage company that I worked for was sold to Guaranteed Rate. I did not sign a contract with them, I left and went to work for a different company during the acquisition and did not sign a contract with them. However Guaranteed Rate is using my name and NMLS # to continue to advertise to clients that I am pulling credit for at this time, not just client leads that were purchased during the acquisition, regardless I was never an employee of theirs and I believe it to be illegal for them to pretend to be me by using my name and NMLS # to advertise to consumers that they have been preapproved by me. I haven't worked for the company that was purchased since XXXX of XXXX.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late For any purpose.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCK AND REMOVE I urgently request your immediate action to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I didn't authorize them. It's unfair for me to be accountable for these accounts, which I didn't initiate or approve. I urge you to promptly address this issue.
Consumer complaint received 2024-02-03
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: U.S. BANCORP (KS)

I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO MIDLAND CREDIT MANAGEMENT REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX AND # XXXX REFLECTING ON MY XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTERXXXX MIDLAND CREDIT MANAGEMENT STILL CONTACTED ME REGARDING SAID DEBT ( XXXX ) AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.
Consumer complaint received 2024-02-03
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: Professional Recovery Management (NC)

This company has incorrectly put dispute resolved again on my report This is still in dispute and I dont owe them anything. 
I have clearly showed pictures that the damage was caused by the unit above having a water leak and they are the ones responsible for this damage They owe me money
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

Again in reference to CFPB Ref No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting a direct answer for the following, not acting in good faith or providing fraudulent information would result in a Security Exchange Commision whisleblower complaint and IRS form 3949-A for trading notes on secondary market which violates the filing with the Security Exchange Comission and not paying taxes on those notes that are still being traded. 

XXXX. Was the application that I provided for the credit card, the collateral for the line of credit? 
XXXX. Does your prospectus form that was filed with the Security Exchange Comission indicates that American Express can not verify the accuracy of the XXXX score and that they do not use standardized credit scores, such as a XXXX score, alone to determine the amount of charges that should be approved on a credit card account? 

3.Does American Express transfer receivables ( which are generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, may include other charge or credit accounts or features or products, ) to the depositor and then the Trust and turn the receivables into asset backed securites?
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX and I making a complaint on these unauthorized dispute I filled but PayPal claim it wasnt fraudulent unauthorized unknow PayPal access but it was I want yall to review all 5 of them or reinvestigated them again or make a new dispute for all 5 of them or make a new investigation for all of them or reopen all the disputes or give me a PayPal credits for all the disputes. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX  XXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed accounts were never verified. XXXX is reporting 2 late payments while Transunion states that no payment history is available. XXXX has removed this account. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.