davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (HI)

The home secured by the loan burned down, and Freedom Mortgage has been holding all of the insurance funds in escrow. They refuse to return the amount to rebuild or even the overage above the outstanding loan amount. The mortgage company has stolen thousands of dollars from us before, so we were wary of sending them the check, but when we were assured that they would process the amount, and send back the overage we sent them the check. They have been holding the entire amount including an overage of about {$100000.00} with no communication.
Consumer complaint received 2024-01-17
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. (GA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. Transition and XXXX is still reporting this inaccuracy.
Consumer complaint received 2024-01-17
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. (OH)

Per the F.C.R.A as a federally protected consumer I am now opting out any and all authorizations I the consumer may have given you written and unwritten verbal and nonverbal per 15 USC 6802. I also am opting out any and all authorizations given to report to a third party.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST AMERICAN FINANCIAL CORPORATION (UT)

See the email chain below. I asked them to provide me with my information and they refused to do so. 

Hello, At this time, First American is not accepting data privacy requests for Utah residents, because it is exempt from the Utah Consumer Privacy Act as a Financial Institution or affiliate, its data is subject to the Gramm-Leach-Bliley Act, and its data is publicly available. 

Regards, First American Data Privacy From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX Subject : Re : Delete Request Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Protection. 


XXXX XXXX From : XXXX XXXX Date : Monday, XX/XX/year> at XXXX To : XXXX XXXX Subject : RE : Delete Request Hello, First American has received your email. If you are a California Consumer wishing to exercise your rights under the CCPA, please call toll-free at XXXX or click here to submit a verified request. 

Regards, First American Data Privacy XXXX XXXX XXXXOriginal Message XXXX XXXX XXXX  From : XXXX XXXX Sent : Friday, XX/XX/year> XXXX PM To : XXXX XXXX Subject : Delete Request To First American, Please assist with deleting all the data that you have on me. This is a Delete Request. Im looking to exercise my privacy rights to understand what data you have on me. 

My Name : XXXX XXXX Email Address ( es ) : XXXX XXXX XXXX XXXX XXXX Note : I have more than just this as an email address. If you are using email as an identifier and I need to provide alternate emails you may find me under, then please let me know. 

There are different requirements for what information I need to provide, and it varies per company. Because of this, youll need to let me know if more information is needed to provide me with my Delete Request. 

I look forward to your prompt response and will look to the CFPB for further guidance and complaints if I do not hear back. 

- XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

This is regarding dispute XXXX opened with American Express against the XXXX merchant for XXXX order # XXXX. 

the issue is quite simple but I think American Express is discriminating against me because I am XXXX and not taking my word for honest word. I did not receive any of the items I ordered in this order, all the XXXX trackings say the merchandise is missing from the packages, and even the XXXX merchant via email acknowledged the items were lost in transit and i am OWED a full refund. 

I don't know how american express could deem the charges valid when the merchant themself says the items were lost in transit and I am owed a refund ; further, ALL the XXXX trackings for the order state the merchandise was missing from the package. Thus I am owed my money because i did not receive any items i paid for..quite simple.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I made a payment on my credit card, and I just realize they did not give me the service I pay for, so I contact Amex they say they can't do the dispute.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

According to the CARES Act, my student loan should be in forbearance until XX/XX/XXXX. Navien has even reporting bad to my credit XX/XX/XXXX- XX/XX/XXXX XXXX
Consumer complaint received 2023-11-24
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Freedom Mortgage Company (TX)

I've provided copy of receipt of payment that wasn't posted to my account. XXXX month pass due. Company have a agency putting notes on my door every month. I've ask them to stop, its public shame and harassing me and my family. my neighbors asking question about the notes on my door.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (TX)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. The actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have XXXX violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have Medical debt on my Experian credit report that is under {$500.00}. A statement they released stated all medical dept under {$500.00} gets dropped from credit report, and they refuse to do so without explanation. I filed a dispute and they left the debt on the credit report.
Consumer complaint received 2023-06-15
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: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$12000.00} I called this company left a message for someone to call me back they never called and still reporting. 
XXXX XXXX opened XXXX XXXX, XXXX {$160.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it. 
MEDICAL DATA SYSTEMS opened XXXX XXXX, XXXX {$2200.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/year> I received a letter stating that my new AAA Visa from Comenity was under security review and I had to submit several documents verifying my identity. That same day, I submitted a copy of my electric bill, the front and back of my drivers license, and the front and back of my signed social security card, which satisfied the criteria that Comenity was requesting. Today I received a letter stating that the account has been permanently closed due to continued security concerns, but did not provide any additional information. After calling Comenity, I was originally told that the documents I submitted did not meet guidelines. I asked to speak to somebody who could give me further information as to what guidelines were not met, as I was very careful when I submitted everything to ensure that it met the criteria that had been outlined. I was transferred and spoke to a representative named XXXX who, after being put on hold for about 10 minutes, came back and stated that he also could not find any additional information, just that there were continued security concerns, and he was also unable to provide me with any contact information to reach out to get any further information. 

After research, it appears that this is not an uncommon thing to happen to people who attempt to add the virtual card to their XXXX XXXX, which I had attempted to do at the prompting of Comenity once I got the approval notification. However the card itself was never used, so there were no purchases that could prompt a security review. Additionally, the phone number that the verification text was sent to is the phone number provided on my application, as well as the phone number I have on record with several other Comenity accounts that I actively have and have never had issue with. 

At this point, I would either like the card to be reinstated, or else the history of the inquiry and the card to be removed from my credit report. I have a hit not only for an inquiry, but I also now have a card that has shown as open for less than a month, which significantly impacts the age of my credit accounts. I would also like additional information on what prompted my card as a security concern so that I can ensure it does not happen again.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/2023 I transfered {$500.00} from my Marcus account ( Goldman Sachs high yield savings ) into my XXXX investment account. On XX/XX/2023 I was informed that Marcus denied the {$500.00} transfer for " insufficient funds '' and my XXXX account was - {$500.00}. Marcus showed my transfer as " Posted '' and took the {$500.00} out of my account. 

Both institutions are saying the other one has my money.
Consumer complaint received 2023-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (ME)

My XXXX XXXX loans were transferred from XXXX to Aidvantage. All my loan information from XXXX was able to be downloaded to XXXX XXXX XXXX so I could easily track my payments. Upon transfer to Aidvantage, I am no longer able to download my loan activity to XXXX. So by transferring my loans to Aidvantage, a service was taken away from me, the consumer. Please direct Aidvantage to work with XXXX to enable consumers to download data to the largest personal finance software in the world. I should not have services taken away just because my loans were transferred. Many other XXXX users have the same issue.
Consumer complaint received 2024-01-17
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Oasis Legal Finance Holding Company, LLC (NM)

As of XX/XX/XXXXXXXX XXXX XXXX  the company admits in exchanges on the XXXX XXXX XXXX website to being in breach of our original contract and admits to improperly classifying my case as a simple wrongful termination rather than a complex combination of wrongful termination, personal injury, and XXXX harassment that has resulted in two years of ongoing medical treatment and me being unable to work reliably. Despite refusing since XX/XX/XXXXXXXX XXXX  to provide the remaining XXXX they promised to disperse 30 days after the initial XXXX installment in XX/XX/XXXXXXXX XXXX they also refuse to release me from their contract and admit to interfering in other settlement advance companies attempts to create a contract with me by requiring a buyout.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2017-12-16
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX XXXX  has failed to provide me with information to verify debt XXXX have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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. I demand the permanent deletion of this account from all consumer credit reports
Consumer complaint received 2024-01-17
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)

I recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about XXXX. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on XXXX and Equifax. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

NationStar Mortgage has not been able to help us lower our underwater property. they charge us hi fees and are not helpful on the phone. they transfer us from operator to operator. We ask to talk to a supervisor and they always tell us that we are not able to talk to a supervisor. They do not give us a response of how we can lower our principal unless we send them a lump sum amount.