davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX billed me {$26.00} per month without my approval, nor authorization to use my card. 
XXXX failed to refund my {$180.00} for an account / program I never authorized. 

Second, XXXX failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - XXXX has not provided valid and legible documentation, despite three disputes, that Student Loans are my account.
Consumer complaint received 2023-08-28
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. (TX)

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXXXXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late in XX/XX/2022XXXX XXXXt 90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then XXXX and XXXX has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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
Consumer complaint received 2024-03-15
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Crescent City Credit Recovery, Inc. (TX)

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity ofXX/XX/2018 You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Consumer complaint received 2023-08-22
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. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also sent to : Rocket Mortgage , LLC, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX RE : Loan Number : XXXX Dear Sir/Madam : I received a call from the Rocket team on XX/XX/XXXX, which I have it transcribed as shown herein : Hi my name is XXXX XXXX I'm calling from the rocket mortgage insurance team home loan provider of XXXX XXXX bank I XXXX calling in regards to the email we received him regarding your homeowners insurance information him it looks like what happened was the policy your homeowners policy that you previously had with XXXX him for the XXXX to XXXX term had canceled due to nonpayment we had not issued a payment from escrow because your hazard or homeowners insurance was a non-escrow at that time and we is the mortgage company are able to backdate 12 months which would put it back to that XXXX him XXXX timeframe and we did not realize the policy is canceled until this year when we were trying to obtain the renewal um if you have any additional questions feel free to reach us our direct line to the insurance team is XXXX based on your letter I would recommend reaching out to them with us directly am due to them sending a refund back to you um for possible duplication of payment from an escrow account that we had not made him once again if you have any additional questions feel free to give us a call XXXX thank you have a good day It is not clear if this is for the XX/XX/XXXX to XX/XX/XXXX time-period or the XX/XX/XXXX to now period. 
If it is for the policy period of XX/XX/XXXX to Now period, I have already provided proof of insurance from the XXXX XXXX, specially the Insurance Declaration and copy of the www.mycoverageinfo.com. Please see the attached pages. The policy period is shown as XX/XX/XXXX to XX/XX/XXXX. 
If it is for the period of XX/XX/XXXX to XX/XX/XXXX, it is not clear what happened. We did not receive any notices from Rocket Mortgage or the current insurance at the time during these 14 moths ( Emphasis added ). Normally, insurance or mortgage companies give at least two notices before taking any action. Apparently, Rocket was sleep at the wheel for a period of 14 months. I suggested Rocket have me sign a letter of no-claims for this time period. XXXX thing is for sure is that I will not pay {$67000.00} for a period of no claims and Rockets error. They state this will COST {$67000.00}. What did they do for this? Also, it seems that notice date was XX/XX/XXXX, but it was delivered on XX/XX/XXXX. 
I will file, as I outlined in my previous mail, and take this matter to court. Please kindly indicate your Florida business office address in one week to file the claim in XXXX XXXX XXXX. If you do not cooperate, I will make an inquiry with the Florida state business directory. 
In addition, I will contact the XXXX XXXX XXXX and file a complaint. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

( XXXX ) Around XX/XX/year>, Applied for XXXX ( XXXX XXXX XXXX XXXX XXXX ) credit card managed by JPMorgan Chase Bank , N.A . ( " Chase '' ). 
( XXXX ) On XX/XX/year>, received 1st Chase email ( copy attached ) that I have a credit card XXXX, and there is a letter in my account. This sounds good, I wish to accept the XXXXChase card that I applied for. But I open the Chase app to my personal account ( I have other Chase credit cards ) and find no reference to my having a card XXXX 
( XXXX ) On XX/XX/year>, receive 2nd Chase email ( copy attached ) that my card XXXX was charged {$99.00} ; was automatically enrolled in autopay ; and my " credit card statement is available '' with a big blue box to click on and review my statement. I click on the box, but it does not connect to any statement for XXXX. 
( XXXX ) On XX/XX/year>, I try to call Chase from my mobile phone ( which Chase has on file ). First, I try using the XXXX number to receive service, but the automated menu says it does not recognize the number and I am disconnected. I call using another of my active Chase credit card account numbers and press " XXXX '' to get a representative. The Chase rep says there is no record of my XXXX card nor any record of my filing a recent credit card application! 
( XXXX ) After an extended time running the Chase agent through the emails received, he discovers that, indeed, there was a recent card application on my account and that a letter has been sent in the mail denying such application. His resolution was to ignore the XX/XX/year> Chase email stating a charge was made to an account the Chase rep says is not valid. We request the Chase rep to send us an email confirming what he is saying. He denies our request. 
( XXXX ) As of today, XX/XX/year>, we have received no notification from Chase that there is not a valid {$99.00} charge ( or a supposed autopay procedure to collect such charge ) -- and no account in my name ending with XXXX.
Consumer complaint received 2023-11-25
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 (PA)

I inquired about the validation of the transaction and was informed that XXXX provided supporting documentation indicating a cancellation of the subscription on XX/XX/XXXX. However, this contradicts the evidence I presented, which clearly shows XXXX confirming the cancellation of my subscription on XXXX. 

Adding context, on XX/XX/XXXX, I received an email about an update to my water filter subscription, despite it being canceled by XXXX. Subsequently, on XX/XX/XXXX, a charge appeared ( which I disputed ), followed by my contact with XXXX  on XX/XX/XXXX, where they claimed the XX/XX/XXXX charge was for the last filter before my supposed cancellation on XXXX. This seems improbable, given that the last water filter I received was in XXXX. 

Despite my efforts, they refused a refund, prompting me to initiate a dispute with Discover. Notably, I possess video documentation of my conversation with XXXX on XX/XX/XXXX, submitted as screenshots to CFPB, as they declined to provide me with a copy via email.
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prizm Financial Company, LLC (IN)

I currently have an open auto loan with Prizm Financial XXXX XXXX XXXX which unfortunately is overdue, as a result of hardship. I receive regular communication regarding my account via email through different team members in the collections department. More recently, Ive received several emails from XXXX XXXX that can only be described as harassment and antagonistic in nature. By the very definition, XXXX communication tactics are verbally abusive. As I found the weight of behavior becoming too much bear, regardless of debt being owed or not, I exercised my rights, outlined under the Fair Credit Reporting Act, and asked XXXX XXXX to cease all contact with me, as there are other representatives who can communicate with me concerning my account. Even after 2 attempts, clearly outlining my request for her to no longer contact me, she continued to do so.
Consumer complaint received 2023-07-19
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. (CO)

im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (AL)

Letter sent XX/XX/2023 for no permissible purpose for the below. 

TDAF XX/XX/2023 XXXX TD AUTO FINANCE XX/XX/2023 Experian TD AUTO FIN XX/XX/2023 XXXX TD AUTO FIN XX/XX/2023 XXXX This company reported info about me to a non affiliated third party without my permission, nor did they give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 " Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution ''
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Around XX/XX/, I fell victim to a multi-layered scam orchestrated by XXXX XXXX ( the " Scammer " ) Which involved me making deposits for a total amount of XXXX USD from my America First Credit Union account via XXXX machine/ATM to the Scammer.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (GA)

WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO SEND ME MY PERSONAL ITEMS THAT WERE NEVER RETURNED FROM THE VEHICLE THEY REPOSSESSED!!! AND SEND ME A COPY OF MY ORIGINAL CONTRACT THAT SHOWS MY SIGNATURE! I AM NOT ASKING FOR SCREENSHOTS OF PAYMENTS AND NUMBERS LIKE YOU PREVIOUSLY SENT. THAT IS NOT PROOF, ANYBODY CAN SCREENSHOT ANYTHING. I WANT A COPY OF MY ORIGINAL CONTRACT, I HAVE NO TIES TO WESTLAKE PORTFOLIO MANAGEMENT! ALL YOU RESPONDED WITH ARE NOT RELIABLE! WESTLAKE PORTFOLIO HAS NEVER PROVIDED ME THE COPY OF SAID CONTRACT THAT SHOWS MY DEBT TO THEM. AND I HAVE BEEN REQUESTING MY ORIGINAL CONTRACT FOR THE PAST 6 MONTHS TO NO AVAIL! WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO PRESENT AN ORIGINAL COPY OF MY CONTRACT! IF THEY CAN NOT PROVIDE A COPY OF MY ORIGINAL CONTRACT, I NEED THE CFPB TO STEP IN AND HELP ME GET A COPY OF MY ORIGINAL CONTRACT WITH US AUTO SALES THAT STATES WESTLAKE PORTFOLIO MANAGEMENT HAS TAKEN OVER MY LOAN!
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (SC)

Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXX XXXX XXXX, XXXX, SC XXXX bear on this situation. I have had an ID fraud XXXX information breach and an inaccurate loan for Nationstar came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on XXXX. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and Nationstar attempted and illegal active service XXXX XXXX to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX County Commissioner sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was a Victim of identity theft, I notified the company lvnv associates, and resurgent about the ordeal I requested a cease and desist, I made a report with the frc Identity theft sent notice to the company, they repeatedly sent the same information to my address none which included what I asked for which was an original document with my signature on it. a copy of the document or anything something with my signature proving the that debt belongs to me, they have yet to furnish this paperwork, and they have repeatedly violated my cease and desist order by bombarding my email and home address with statements and payment plan offers. this has been on my report causing lots of damage to my home life and business life. It has made it almost impossible to secure a homer loan. causing marital problems ultimately causing the end of my marriage, my company struggles to stay afloat, with no one willing to give me a business line of credit due to my personal credit, I have even started the arbitration process
Consumer complaint received 2023-05-06
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. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

American Express National Bank is suing me and my wife business ( XXXX XXXX XXXX XXXX ) Claiming the Amt. of {$10000.00} XXXX used in a credit card in my name and i never asked for a business credit card and i also doesn't have a social security number. 
Now they are suing me and my wife business sending us to the court.