davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (VA)

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

According to the FRCA the term " investigative 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/she is acquainted or who may have knowledge concerning any such items of information
Consumer complaint received 2023-08-30
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: CITIBANK, N.A. (AZ)

I canceled an annual subscription to the XXXX XXXX app before its renewal date but was still charged by the company on my credit card. When I disputed this transaction, my credit card company denied my dispute.
Consumer complaint received 2023-04-20
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

Good afternoon, Sir/Mam, the issues I'm currently facing with Mr. Cooper mortgage is that, I am a XXXX XXXX veteran and have been approved by the state of Maryland as being Tax exempted. However, Mr. Cooper has been charging me Escrow fees since we moved into our home XX/XX/2021. 

This was brought to light by my original lender XXXX XXXX  ( XXXX XXXX XXXX ) who requested an update of my current mortgage as to ensure we weren't being treated unfairly and that we're paying the correct fees. Upon his review XXXX XXXX XXXX asked, " why are you putting money into an escrow account when you are Tax Exempt? '' I then told him I wasn't sure as to why Mr. Cooper charged me extra escrow but did mentioned that I had brought the issue up with Mr. Cooper, at which point XXXX XXXX XXXX XXXX suggested I file a complaint with the consumer financial protection bureau because I was being wrongfully charged.

I've contacted Mr. Cooper and spoke with the compaby several times about this issue. Representative from Mr. Cooper asked me to provide proof of my exemption letter multiple times and that which I did. However, Mr. Cooper mortgage claims they could not find my document on file. this has been ongoing for the past XXXX and half years since we moved into our home. 

Furthermore, every year, it seems our mortgage seems to be increasing and this is due to the property tax for which I am exempt. My concern is that, if this continues, we may not be able to pay our mortgage and possibly lose our home.

The escrow payment is recurrent and I am attaching a copy of both my tax exempt letter and escrow charges for your review. Lastly, I have a family of six including a 1 year old and is just asking that each party is treated fairly as time are hard with the current inflations. 

Thanks.
Consumer complaint received 2023-06-19
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX : {$29000.00}.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

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.
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

My attorney group XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are holding me XXXX and wont release me from them so I can talk to Selene regarding the loan modification because its still shows up on Selene Finances records as active litigation. A dismissal form was sent to them via email a week ago from me.

Selene still states that I can not speak with them after my explaining to them that paperwork has been sent regarding ending of the litigation. Selene states it needs to be sent from attorney to attorney. And the attorney on my end is refusing to send them the documents.
Consumer complaint received 2023-05-26
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. (CA)

I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Investigation report fabricated by Flagstar bank located in XXXX XXXX area investigation was not thoroughly investigated upon investigation for aggregations of me taking money out of ATM evidence shown it was not me as well as the one who Deposit checks fail to follow through investigation and result close account was disputing a return of {$10000.00} credit in terms of bank statement ending XXXX XXXX XXXX XXXXXXXX locations branch XXXX XXXX XXXX XXXX mi XXXX I am demanding a full investigation of results and a return of credited bank statement back upon investigation
Consumer complaint received 2024-01-12
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)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICES LLC regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( XXXX ) CFPB Complaint ID Number, and XXXX ( EQUIFAX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, XXXX XXXX and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect XXXX  and debt bondages. 

Attached are notarized documents supporting my notices. XXXX, EQUIFAX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, Equifax Information Services LLC, XXXX XXXX, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.
Consumer complaint received 2023-09-07
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. (TN)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I received an email from CHASE stating that my account had been closed due to suspicious activities. I called the number on the back of my card, and the customer support agent informed me that this was the bank 's final decision. Although I had not engaged in any suspicious activity, I understood and accepted their safety protocol. 

The agent assured me that the remaining balance in my account would be mailed to me as a check within approximately 20 days. However, when I called again later, a different representative told me that the matter was still under investigation and that I would receive the check once the investigation was concluded. This left me confused, as I was previously told that the account closure was the final decision. Why is there still an ongoing investigation? 

The agent mentioned that the investigation would take an additional 14 days, but I have not heard back since then. I believe I have over {$2000.00} in the account, which is my daily savings for college expenses. This delay has caused significant inconvenience and financial strain on my XXXX XXXX. It is my money, and I urgently need it to manage my daily expenses. 

Also they send me a letter but I can't view it, because they've already closed my accounts and I can not login to my online account. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CO)

I opened an account online with Navy Federal Credit Union on XX/XX/XXXX. I received the routing number and account number and I transferred {$50.00} from another online account to them, and changed my direct deposits to my new account. The following day I received an email requiring my I.D . and proof of address be uploaded via a link, which I did. I received a confirmation email stating my account would be verified with 5 days. I have tried repeatedly and to every management level with multiple calls to their " Security '' department to get the status of when my account will be unlocked. I'm told 3 to 5 days, yet today, XX/XX/XXXX, is 8 banking days, and there is ANOTHER message today telling me 3 to 5 days. They refused to close the " account '' which I can not access online, or add to any financial service using the routing number or the inactive debit card number, stating this security lock! There is NO corporate number for NFCU aside from the main number, and there are NO numbers to call the local branches. The only option was to contact the transferring entity and dispute that {$50.00} XXXX which completed on XX/XX/XXXX. I want my money returned and will not do business with NFCU which is the absolute worst financial institution I have ever had the misfortune of opening an account with!
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 60 Days XX/XX/XXXX, I was not late 90 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. 

Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! 

I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. 

I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (GA)

I honestly do not see how this company is still up and running I paid this company off early regardless of the fact that they should have marked this account closed a long time ago when I showed them the contract wasn't fulfilled... I still paid it off through my attorney cause the reputation of the company lies. I sent in proof of payment over and over but they still act like they don't know what is going on..my Attorney and I was told they would defer the payments for that month until the payments were received they sent an email saying congratulation paid in full then turned around sent a bill with me owing more then I paid off its crazy. and B4 u ask yes I did send the email to them as well They said we would get back to never did but guess what I got two bills in the mail and one email saying I need to pay them again ..they added interest and more money to a bill which is paid in full and did I mention this case was closed to begin with yes it's a closed account cause i reported not getting full service of what I paid 4... SO NOW I WAIT AS THEY SAID TO DO SENT INFO OVER 5X IM DONE GIVING THEM THE SAME INFO AND NOTHING IS BEING DONE.. THIS COMPANY HAS SO MANY COMPLAINTS ABOUT THE SAME THING WHY R THEY STILL UP AND RUNNING
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CO)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 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 an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I don't know how this company has attached these accounts to my XXXX report but i need it removed. like yesterday i have enough stress in my life i dont need anyone else debt being tacked on to mine! i contact LVNV and sent letters informing them of the mix up and they didn't reply. Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX  Account Balance : {$1900.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/. 
Account Balance : {$1000.00}
Consumer complaint received 2024-06-26
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: DISCOVER BANK (OK)

I sell items online and have an account with several online vendors. XXXX of the vendors I found through XXXX ; it is a website called CJdropshipping. I had a customer order the item and the item should have been sent to the customer. However, the item was not sent to the customer ; it was shipped to a different address. I contacted this company to try to discuss it with them and they said they would look into it and never got back to me. I tried to reach back out to the company and still no response. Therefore, I disputed the charge with my card company and the card company sided in their favor despite the fact I had sufficient evidence that the item was sent to the wrong address and that the company did not fix the issue. After filing the dispute, I can no longer log back into my XX/XX/XXXX account which is how i was messaging their support team ; through the messages feature on their platform.