davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (WA)

Newrez/Shellpoint purchased my mortgage XX/XX/23 from XXXX XXXX. Since they took over we have made all required payments plus some extra principal. They claim we have not made payments even though we have provided bank statements showing withdrawals with control numbers going to them. They claim we have made only XXXX of the XXXX payments. Since taking over they have made XXXX entries to our payment history in 4 months. In a matter of 7 days in XXXX with XXXX of those entries being made in that span, we somehow went from XXXX payment behind to XXXX payments behind according to them. We have spoken to at least XXXX different people from company with over XXXX pages of notes without resolve. They are showing a higher principal balance than when they took over loan.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, Im XXXXXXXX and Im submitting a complaint regarding fraudulent charges on my debit account with Bank of America. Approximately {$16000.00} was taken out of my account through multiple XXXX purchases that were not mine. The charges started on XX/XX/XXXX through XX/XX/XXXX and just to clarify, I did not lose my physical debit card. Bank of America failed to mark these as suspicious activities and did not send me any alert. I noticed because I typically audit my statement twice a month. I called BoA and they have closed my debit account. They are currently working with the merchant ( XXXX ) to investigate the issue. I have also filed a police report to XXXX XXXX. Please see the incident report attached.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, and continues to report unverified information without providing any proof required by law. XXXX and Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-13
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. (MD)

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.

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 2023-11-18
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

THE LAW ALSO STATES : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute an error in my credit report. According to my credit report, I have a late payments on some of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. Please investigate the following accounts for reporting misleading information on my Credit File : XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$0.00}. As we are all aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (FL)

I checked my credit report and found that some of the data wereincorrect. 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 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 2023-07-13
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. (CA)

My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-14
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. (NJ)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (FL)

It's been over 90 days since i sent the letters to the credit burau I waited more then 30 days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from XXXX and XXXX but still show on Experian. XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has been reporting false and inaccurate information about my credit to other creditors which is causing me and my family to get denied of loans this is causing a problem on my livelihood because I am getting denied access of things that I should be getting approved of because I am the original creditor however I did reach out to TransUnion by mailing a certified letter with my ID and my social security number letting them know that they need to remove these inquiries off of my credit because I did not give written or verbal permission for TransUnion or any of these companies to put this information on my credit according to the law Act Section 1681b ( c )
Consumer complaint received 2018-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On Fri XXXX XX/XX/2018, I was sent a overnight XXXX package from XXXX XXXX, an employee of JP Morgan Chase Bank NA, thanking me for my home mortgage lending activities. From Jp Morgan XXXX XXXX XXXX. XXXX XXXX, NJ XXXX, contact XXXX. After I received it I called XXXX and various employees of Chase Mortgage and have yet to come up with an answer as to why I received a HMDA Public XXXX when I do not own or applied for mortgage. My first name on label was spelled wrong, but the cell phone number on the label was in fact my cell phone number at the time. 
The address was to XXXX XXXX XXXX XXXX, but real address is XXXX XXXX XXXX XXXX XXXX CA XXXX. 
My name is XXXX XXXX and I have been a victim of Identity Theft. I rent at the address, but people that own it were going through a mortgage. 
I need to know why I was sent this HMDA. 
Contact me XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well XXXX XXXX
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Fidelity LP (IL)

I received this collection notice from these crooks and have no idea who they are and want them to stop contacting me!! This is my official CEASE AND DESIST letter to them as they all lie and say they never received it if it is mailed!! Please give this to them and make them stop contacting me. I will NOT be paying them!!! If I hear from them again I will contact my lawyer!
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (TN)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX was investigated by the Dept of Consumer Affairs.

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX An Affiliate of XXXX XXXX ( who purchased XXXX XXXX XXXX in late XXXX ), and my Fed. loans of approx {$50000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX XXXX for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify fraudulent items on my credit report. The purpose of this letter is to register a formal complaint against the persistent presence of fraudulent entries in my credit report. 

I have repeatedly submitted disputes, providing evidence and documentation to support my claim of fraudulent activity on my credit report. Despite my continued efforts, the fraudulent items persist, causing significant distress and compromising my financial reputation. 

The fraudulent items in question includes inaccurate address and inquiries.. I have attached copies of the supporting documents that clearly demonstrate the fraudulent nature of these entries and verify my claim. 

Despite these efforts, the fraudulent items continue to tarnish my credit report, posing a significant threat to my financial well-being. I am particularly concerned about the potential long-term consequences, including but not limited to identity theft and unauthorized financial transactions. 

I urgently request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). 

The persistence of these fraudulent entries not only undermines the integrity of my credit report but also jeopardizes my financial security. I trust that you will prioritize this matter and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I am prepared to explore all available legal remedies to ensure the removal of the fraudulent items and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CT)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate LVNV FUNDING LLC Account Number XXXX