davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

In accordance with fair credit reporting act, this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions, under 15 US c 1666B a creditor may not treat a Payment on an credit card account under and open and consumer creditor as late for any purpose.
Consumer complaint received 2023-10-10
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. (NY)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Parents died left the property behind for me the son and the grandkids. Parents had asset protection which protected us from having to probate. Funds that were available three this insurance was given to Ocwen. I was then instructed to provide proof of homeowners insurance, due some maintenance to the front tree. I completed the loan paperwork and never received documents explaining I was denied and for what reason. Then I had a lady come to the property telling me she bought the property and if we would accept money to get out as soon as possible. I contacted Ocwen and was told that they sent documents to this address and couldnt tell me if they addressed them to me or to my deceased parents. I was basically told I couldnt do anything but get out because the property has already been sold. I want to file a complaint towards Ocwen for the illegal approach they used to take the property that my parents worked hard for and if theres anything I could do to keep my property or get compensated for all my loss. Please.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I received an offer from American Express for a pre approval I applied for the card and it was declined. When I checked the reason it was an error page with no explanation. Also when I was logged on I noticed 3 previous applications that were declined. From XX/XX/2023 to present. I recognize 2 of the applications in XX/XX/2023 and XX/XX/2023. The others were not authorized by me. The offers were deceptive and misleading when it applies to good credit and your score. My score is over XXXX with Good credit .When I read one email from them without the error. It stated that my denial was because I had collections and inquiries and it didnt make since because at that time that was not correct. And the rep I spoke to completely Bias and I was XXXX to get a denial by her tone with me telling me people like me dont get approved often only middle aged white individuals and that I have audacity inquiring about a card with there company when I was sent the offer. 
The unprofessionalism was real and she hung up on me when I asked to speak to her supervisor and would not give me her name,
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (DE)

I see three hard credit inquiries on my equifax report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

The crime occurred somewhere online or either someone had stolen my personal info out of my wallet or back pack or in my mail from moving homes. I'm not sure and I do not know. but I do know is that I have countless transactions and charges on my card and bank account. That were not approved by me. I had filed to reports with my bank and requested what do I need to get this resolved I have never been a situation like this in my life. My bank has locked me out of my own online account to where I can not even view the information I need. along with why my submittals had been denied they can not provide me with information I need. they told me to wait. keep my account open because I can not view the info I need if I close the account. mean while this person has been using my personal info to open accounts move money over to some random account they have open loans in my name liquated the fund in my account and ruin my credit in the proceeds. While im getting behind and struggling to pay my bills. This has has been a domino effect that has just made everything in my life horrible. I do not even know the total amount lost from with the countless fraudulent transactions and loans but what is most alarming is how this person was able to get all the money. open two loans all under the radar without me ever signing anything or seeing anyone how these accounts got opened in my name one from Wells Fargo and the other from XXXX XXXX, then my bank is claiming I created these accounts when I had no clue. I was unaware until i looked closer at my statements I did not know someone was moving money from my account and set up payments for the loans how someone has stolen my identity and was successful at getting these loans taking the money out from my account and ruining my credit is truly mind boggling. Along with that I have been gettin harassment calls threats and and text from random numbers and people. Which has now put a toll on the relationship of the girl Im living with if I get kicked out I can not get approved to live any where with my credit ruing from all the unapproved charges transactions and loans. Its bad enough that she now thinks I'm cheating XXXX from these random number and pictures of girls claiming to know me from these malicious spam like texts and calls. As well as Wondering why my credit had been ruined when it was so good before. This experience had been a defamation of my character I cant explain the pain suffering this has created in life I havent been able to think straight since all of this has happened.
Consumer complaint received 2023-04-18
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-22
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be corrected from my file right away XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (MS)

I live in Mississippi and have a foreclosure sale date of XX/XX/2023. I want to reinstate the mortgage loan, but Flagstar Bank mortgage and their attorney, XXXX, XXXX, XXXX will not provide me the amount needed.
Consumer complaint received 2023-11-22
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/23 my credit card number was used for fraudulent transactions. Many transactions occurred on this date and the credit card company reversed them all. Eventually though XXXX charges for XXXX XXXX appeared back on the card. 

I have called many times and they have credit the money back XXXX  times in total but every time eventually the charges reappear. There appears to be no escalation path to Chase which will allow me to resolve this matter so I am trying here. Below is the series of debits and credits for the three fraudulent transactions ( keep in mind all stemming from the same transaction where I call and complain and they credit back and then debit again without notification ) The amounts fraudulently charged are as follows : XX/XX/23 : XXXX  XXXX XXXX : {$550.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX : {$79.00} I didn't make these charges. I've never had business with XXXX XXXX XXXX. Remember that there were many other fraudulent charges from that day that were immediately removed - why they insist on not removing these is beyond me but it has been at least XXXX calls and we are not making any progress!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by American Express. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by American Express. That information is INACCURATE and FALSE. I am demand that American Express contact the ALL 3 Credit Bureaus and have the address removed immediately. If American Express is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On Wednesday XX/XX/XXXX, I used Chase 's Quick Pay feature to send {$350.00} to a woman named XXXX XXXX. 

Unfortunately, Chase did not send the funds to XXXX, but instead to another person who stole my money and did not return it. 

I reached out to Chase and explained the situation, I opened a case of fraud ( Claim # XXXX ) They said they would investigate further. They initially gave me a credit, but then reversed it and said because I authorized the transaction, they were not responsible for delivering my funds to the wrong person. 

After escalating multiple times, they would not return my money.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, I called a phone number XXXX, I XXXX  on the Internt, thinking it was someone from " XXXX  '', who could assist me in setting up a new NEST camera/floodlight and help with the app installation on my desk top/cell phone. The person requested a debit Card number for identification purposes, assuring me I would not not be charged. I provided my chase ( inactivated ) debit card number and the XXXX digit code. 
In the morning of XX/XX/2023, between XXXX am and XXXX am, he managed to access my computer, pretending to install the app. However, the screen remained XXXX, and I couldn't see anything. This person called multiple times to acquire codes ( From Chase ) and I gave them to him over the phone for the installation of XXXX. Regrettably, I later discovered that he accessed our checking account, wire trasnferring/taking {$18000.00} via the computer and ordering numerious gift cards. 
My wife received an email from Chase regarding a withdrawal and quickly checked her banking account. She saw at least 6 wire transfers pending/going out and approximatly numerous gift card orders. We immediatly visited Chase Bank in person in XXXX around XXXX XXXX  to stop the wire transfers. Although we spoke with a XXXX, they couldn't halt the transactions. The XXXX helped us file claims on XXXX XXXX around XXXX. 
CHASE was able to fully reverse the gift card orders but will not investigate further because we provided codes to the swindler, he tricked me into providing codes for the installation of XXXX, I never authorized anybody to steal my money.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (FL)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
BRIDGECREST XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or BRIDGECRESTcustomer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance is reporting a balance for a car repossession account on my credit reports. However, the company did not follow the laws and provide me with the required state notices after the car was repossessed. The company was required by law to send me a notice about the car being available for sale at an auction or a private sale. The company did not provide this notice. After the car was sold, the company was required to by state law to send me a notice notifying me of the same with a break down of the fees and any balance due. The company did not send this notice either. This is a violation. Due to the company not providing the required state notices, they can not collect any balance from me and can not report a balance owed from me to any credit reporting agencies.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against the Fair Credit Reporting Act.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Turning Point Solutions LLC (GA)

this XXXX XXXX from XXXX XXXX XXXX has called me numerous time and uses a different number to call this last time it was XXXX and left a XXXX number for me to call I called him for the last time today and again he has refused to send me anything in writing about this debt he said I owed and each time he has called it has been a different amount. I f I am not mistaken the debt collector is suppose to send after 5 days a notice in the mail and I have yet to see one. that is all I am asking for and his threate of other legal action is not worth the paper it is written on because he is very rude and I get rude back at him. Simply send me something in written form and an address to write them back and I will work on settling this debt. In other words send me the notice and the correct amount if you are legit and I will proceed from there.