davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (NJ)

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-08-01
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: AMERICAN EXPRESS COMPANY (CA)

Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

XX/XX/18 I have paid my XXXX XXXX XXXX credit card, issued by XXXX Bank, account in full ( {$110.00} ) on XX/XX/18 and continued to get charges for late fees and minimum interest charge on an {$0.00} balance. This has happened to me on three separate occasions during the last 2 years. I received a call concerning a {$110.00} balance and was confused because I knew for a fact that the account had been paid in full. I did not understand what was happening until I pulled up my account online. I called the company ( XXXX Bank ) and was told that they would take the {$110.00} in fees off. I am complaining today because I know other consumers may be affected by this unfair banking practice by this company ( XXXX Bank ). Not only is this account affected by this unfair practice but my credit report has been affected as well as the company report late and missed payments to my credit report. 

Please Help
Consumer complaint received 2018-08-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc. (MI)

I purchased my home almost two years ago now. My payment amount has fluctuated due to escrow changes, but in XXXX, my escrow amount increased by almost {$200.00} more per month than it has been in the past ( prior monthly payment amount was {$700.00} and in XXXX it was {$890.00} ). My actual taxes owed for the year is a total of {$1200.00} and homeowners insurance is {$680.00}, for a total for the year of {$1900.00}. The mortgage company is charging me {$3700.00} for the year ( based on the {$300.00} per month shown on my statements ), which is more than the 1/6th total allowed by section 6 of the RESPA. 
In contacting the mortgage company, I was told they had made a mistake in estimating my property value, and that as long as I sent in copies of my property tax statements, they would fix it immediately. These statements have now been sent in multiple times by myself via email, fax and now certified letter, and by the township treasurer where I reside. I have also called almost half of every business day in both XXXX and XXXX, and answered calls from their collections department when they have called me. The individuals in the collections department have either mimicked me when I have answered ( I always answer with " hello? '' and one individual has just repeated me without saying anything else ), or they just sit in silence instead of responding. It has now been 4 months and my account still has not been corrected.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to XXXX requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to XXXX. XXXX continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.
Consumer complaint received 2023-10-22
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. (OK)

According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). If a borrower 's complete loss mitigation application is denied for any trial or permanent loan modification option available to the borrower pursuant to paragraph ( c ) of this section, a servicer shall state in the notice sent  to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of  this section the specific reason or reasons for the servicer 's determination for each such trial or permanent loan modification option and, if applicable, that the borrower was not evaluated on other criteria. The client is also submitting a complaint due to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Since X/XX/17 - the loan modification application was sent to the lender for review - since this time we have tried to obtain an update through opposing Counsel due to a litigation hold on the file the lender would not provide us with any information - they lender denied this application due to affordability on XXXX without any communication - the lender failed to provide any notice of the review and the denial is inaccurate - even if the payment increases the client shows enough income for the modification to allow him to repay his debt and retain his home - we request a new review of the clients information and communication to be granted during this review
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

THE COMPANY REGIONAL ACCEPTANCE CORPORATION PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXXXXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Different collection agencys keep recycling old debt over ten years ago and keeps reporting on my credit report that it is a new debt the debt was sold to collections agencys over and over again and they are falsely reporting to credit agencys
Consumer complaint received 2023-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I disputed some items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (OH)

So since Chime responded and finally proved that there were error found and they sent me back the funds that were taken but then it happened again account got hacked email and phone number were changed and those funds were spent the hacker linked unauthorized accounts and transferred my money into those accounts Chime was not able to verify account because of these changes now there is still happening to my account
Consumer complaint received 2018-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted the XXXX  and Transunion and requested they immediatly remove fraudulent, incorrect debt collection from my report that is in no way related to me, or my household. The debt is for a XXXX hospital I have never visited, and have no knowledge of. The debt is posted by XXXX from XXXX, California. I asked them to revove the informaiton immediately and they remove, then repost repeatedly. Please help me.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XXXX, i sent Transunion. XXXX, and XXXX letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating 15 usc 1681e ( b ). it states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

the items that are inaccurate are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE COPIES BELOW FOR YOUR REFERENCE
Consumer complaint received 2023-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran, the state & County ( Maryland, XXXX XXXX XXXX XXXX ) have determined I am tax-exempt from property tax. In XXXX ( XX/XX/2023 ), I spoke with Carrington 's property tax department and uploaded the county 's determination of the tax-exempt letter to the link provided by Carrington Mortgage Services . I was informed that the process/review would take 14 business days.

I followed up with Carrington 's property tax department on XX/XX/XXXX to find out they had done nothing to my account. I paid the full mortgage and Escrow on XX/XX/XXXX and was informed by the next billing cycle on XX/XX/XXXX that my account would be fixed and refunded any escrow balance. 

On XX/XX/XXXX, I contacted Carrington 's property tax department again to learn no updates or adjustments had been made. Again, I spoke with a supervisor, and they were unable to answer any of my questions regarding why my account had not been updated. I was forced to pay again an on-property tax which I am exempt from paying. I contacted Carrington again in midXXXX, and no one I spoke with could tell me why I am forced to pay property tax, and I have not been refunded my escrow balance. The service members and supervisors I have spoken to have refused to send me a letter stating they have not processed my tax-exempt status, they refuse to send me any information regarding our phone conversations, and they refuse to allow me to speak with any higher-level management. 

It is approximately a week away from the May billing cycle, and no adjustments to my account have been made. In any conversation with Carrington, I am fed a pre-written comment that they are working on this matter and will escalate it, and the matter should be resolved within 5 business days. This has continued for nearly three months.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Letter receive at my residential address dated on XX/XX/2023 from XXXX XXXX XXXX XXXX ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) attempt to collecting {$32.00} for creditor " PayPal, Inc ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at XXXX XXXX XXXX XXXX. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you XXXX have been a victim of identity theft. The e-mail address provided to us by, PayPal , Inc., does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided PayPal with a copy of this complaint and our response. Should, XXXX XXXX, have any questions, we kindly ask that they contact, PayPal , Inc., and allow them the opportunity to address any additional concerns they XXXX have. 
Thank you for bringing this matter to our attention. We apologize for any inconvenience that we XXXX have caused. 
Sincerely, XXXX XXXX XXXX, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " PayPal Inc. '' prior to receiving this letter nor it's possible for me to incur any debt from PayPal Inc. in the past. Furthermore, the creditor " PayPal Inc '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " PayPal Inc. '' ) is easily found from PayPal 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible XXXX  endured causing by such practice from this company. 

Please see to an end for such practice. 

Thank you An concerning XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( addresses, account, or inquiry XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX XXXX 
;
Consumer complaint received 2023-07-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2018-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called XXXX.