davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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. (NY)

I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

XX/XX/XXXX  - email from NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) stating no record of monthly mortgage payment of {$1400.00} due XX/XX/. 
XX/XX/XXXX  - I called their number XXXX with questions. Immediately it was assumed my loan was delinquent and I was read " by Federal law '' that this was an attempt to collect a debt. We went through the details of the check ( amount, loan number, payable to, to where was it mailed ), and it was all correct. I stated I have proof from my bank that NewRez LLC processed and cashed the bill pay check on XX/XX/. Was told to fax the proof, I stated I do not have access to a fax, was then told to upload document into their website portal within my account. From my bank, I obtained the proof of cancelled check ( front and back showing it was cashed ) made out to NewRez LLC and mailed to their correct address, saved it as a PDF and uploaded it as requested. 
XX/XX/- received another email with a new billing statement from NewRez LLC. I assumed it would now be corrected and the new monthly payment due XX/XX/, but when I went to my online account it is another statement saying due XX/XX/, and that the last payment NewRez LLC received from me was XX/XX/. This is false, and they have received proof that they processed my check for the mortgage payment due XX/XX/. I started an online chat within my account, and was told by rep XXXX XXXX that they did not have a record of this proof yet and was again read " mandatory by Federal law '' that this was an attempt to collect a debt. XXXX stated it takes 24-48 hours for them to receive my proof, and that statements are entered manually. I asked why I received another statement due XX/XX/23 if they are entered manually, if they are waiting on my proof. XXXX apologized but that there was not anything else that could be done until they received proof, and that the proof would be coming from another third party. 
In the meantime, my bank has now just processed XXXX 's monthly payment to NewRez LLC, as usual, but I am afraid that the same thing is going to happen. 
It may be worthy to note that my mortgage was recently sold to NewRez LLC ( a division of Shellpoint Mortgage Servicing LLC ) by XXXX XXXX ( XXXX ).
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I have been disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.
Consumer complaint received 2024-03-30
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. (CA)

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All XXXX agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Consumer complaint received 2023-12-01
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AR)

On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.
Consumer complaint received 2023-12-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I'm in receipt of a collection notice from XXXX XXXX XXXX XXXX XXXX ( See attached ). I've responded to them via telephone and wrote them a detailed email ( See attached ) of all the circumstances surrounding this alleged debt.
Consumer complaint received 2023-12-27
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. (AL)

I reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on 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 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 2023-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

A betting site, known as XXXX, was trying to charge me a amount of XXXX dollars. I used the site once and not for that amount. Over the last month, They've been trying to charge my account for different amounts as well. My bank was notified of this. I've tried reaching out to the site without a response. I also received phone calls about this but they said it was for another site, the site known as XXXX. I believe this a scam or fraud. Yesterday, my bank was charged XXXX dollars from a unknown merchant, I talked with my bank and they removed the charge but I had to get a new card to protect my account. Today, XXXX of XXXX, I received a letter from a debt collection, known as XXXX payments, saying I owe them the money they have been trying to charge me as debt plus interest. It says to go to a website known as XXXX. This site looks sketchy and untrust worthy.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for the XXXX XXXX XXXX with American Express on XX/XX/2023 and was denied credit. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act. Also, when I signed that application for their services I then became an INVESTOR into the company, where they then deposited that SECURITY/APPLICATION into their trust thus gaining interest once transferred into the primary market. This would be considered securities fraud since I received NO BENEFIT.
Consumer complaint received 2023-08-06
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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.

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 2023-11-08
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. (NC)

I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per XXXX XXXX XXXX XXXX! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per XXXX XXXX XXXX XXXX - Aggravated identity theft.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I am in need of a complete record of my student loan payments. Per the Dept of Education website, this should be available through my current servicer Mohela ( " your current servicer has a complete record of your payment history, including payments you made to your previous servicer. '' ) After my request in XX/XX/XXXX, Mohela has only sent me payment records dating from XXXX. However, my first student loan went into repayment on XX/XX/XXXX. I am requesting ALL payments made since that date. When I requested this information again, in XXXX, Mohela AGAIN sent me record of payments starting in XXXX.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX XXXX {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

Sooooo embarrassing! Sooooo frustrating! Below, please find my order of qty. XXXX {$50.00} total of {$1000.00} Amex gift cards, purchased directly from AMEX. 
XXXX gifts for family! 
NONE of them have been accepted! 
And myself and family see that XXXX and social media says EVERYONE is experiencing the same issue! These are no longer accepted anywhere we have tried! 
XXXX denies. XXXX XXXX denies. XXXX denies, etc... etc... 
These were purchased as they promise to work anywhere AMEX is accepted. 
This is FALSE advertising! 
For years and years we purchased these with no problem. 
AMEX is AWARE of all of these complaints. They are aware consumers can not use these cards as promised, and still they sell them!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I applied again for the XXXX  credit card of the XXXX XXXX chain that is provided by Chase Bank. After a tiring and delayed verification and review process, the card was approved again on XX/XX/XXXX. 
My use of this credit card was limited to a few purchases, which have been paid in full, On XX/XX/XXXX, Chase Bank issues a letter informing me that they are going to close my credit card again for XX/XX/XXXX, without an explanation, without a reason, -Previously on XX/XX/XXXX, they closed the same card for me without any explanation and without arguments, we asked that this decision be reviewed, since we were sure that it had to be due to some error, since I am not doing anything wrong, At work I use my cards and pay my bills as are my rights -For me it was very frustrating that knowing that I don't do anything outside the law they would do something like that to me. 
XXXX XX/XX/XXXX, I received a letter from the IRS apologizing for having made the mistake of confusing me with another person who owed them money and had not paid the taxes. 
-The IRS had sent erroneous information to the banking system and I had to send a copy of said letter so that everything could be clarified. 
-I didn't send the letter to Chase , but I thought everything was clear when I received the card offer again in XXXX -I attach the letter received by the IRS certifying the error they made.

-Please request a new review of this entire case, I currently do not have any checking or savings account with Chase , I only have this XXXX  card, which I ask to keep working Regards -Credit Card number XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My husband received an email from a financial institution with whom we have an account asking for him to contact them on XX/XX/23. We called on XX/XX/23 and learned that someone had tried to withdraw {$1000.00} from this account to an account under my name from Citizens Bank. I do not have any accounts from Citizens. We closed the account from the financial institution that the bad actor had tried to withdraw the money from.

Today I received a letter in the mail from Citizens Bank that confirmed that I ( not really me ) opted out of debit card overdraft coverage for ATM and everyday debit card transactions. It listed the last 4 numbers of my account on the letter and had a phone number for Citizens Bank to call with inquiries. I called and spoke with a fraud specialist. He was able to report the fraud and stop the debit card privileges. He said that the accounts were just opened last week and that there was a {$20.00} balance in 2 accounts with my personal information, including my email, home address, and SSN. 
In addition, in my XXXX XXXX banking credit card app, there was a " dark web alert '' dated XX/XX/23 that said my email address was compromised and my passwaord was exposed. I have since changed my password.