davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

Today, I received a call from the XXXX services at Chase telling me that they received returned mail and needed my address. I asked them to give me the address where they tried to send the mail and the address was the address of the new property that I recently bought. When I asked her who changed the address, she said that it wasn't changed. However, that is not the address on my loan application, so I know someone at Chase changed the address without my permission. Since she wasn't being forthcoming, I disconnected the call.
Consumer complaint received 2023-08-08
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. (CA)

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter. Therefore, I would appreciate your timely attention to this matter and a written response outlining the results of the investigation. 

Date reported XX/XX/2023 Amount {$18000.00} Date reported XX/XX/2023 Amount {$17000.00} This collection is closed but still on my report, still reporting false and inaccurate information. Dates and amounts are different on each one of my credit reports.
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

Date - XXXX-22 / Amount - {$720.00} / Violations of 15 U.S.Code 1681 ( a ) ( 1 ) accuraccy & fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 / 15 U.S.Code 1681 ( i ) for reinsertions/ legal document letters of Cease and Desist / Harassment / Trademark , Copyright Infringement/ were issued, sent to company / consumer was never given proper legal Notice of debt within 5 days / Never was sent the name and address of Original creditor / Never sent statement informing me they assuming the alleged debt was mine, illegal third party debt company without permision to act as an authorized user on consumers behalf to report alleged fraudulent negative debt / personal information to all 3 credit beaururs XXXX, XXXX, XXXX.
Consumer complaint received 2024-04-01
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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. (PA)

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, ] [ XXXX, MI XXXX ] Subject : Demand to Comply with 15 USC 1692g ( a ) in Regards to Collections Dear [ XXXX XXXX XXXX ], I am writing to express my concerns and demand compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ). As a consumer, I am well aware of my rights under this statute, and I am exercising my right to request validation of the alleged debt you are attempting to collect.

Under 15 USC 1692g ( a ), a debt collector is required to provide me with written validation of the debt within five days of their initial communication regarding the debt. This validation should include : 1. The amount of the debt 2. The name of the original creditor 3. A statement that if I dispute the debt within 30 days, the debt collector will provide me with verification of the debt 4. A statement that if I request the name and address of the original creditor within 30 days, the debt collector will provide me with such information I am formally requesting that you provide me with the aforementioned information within the time frame stipulated by law. Failure to comply with this request may result in legal action to protect my rights under the FDCPA.

Please communicate with me exclusively in writing moving forward, and I kindly request that you cease any and all communication regarding this alleged debt until the required validation is provided.

I expect full cooperation and prompt action in accordance with the law. If I do not receive the requested information within the stipulated time frame, I will have no choice but to take appropriate legal steps to ensure my rights are upheld. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The accounts that they must remove is listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00}
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX - XXXX ( TRANSUNION ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & TRANSUNION AND XXXX & XXXX
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are incorrectly reported as late.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IN)

I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information '', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, 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 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (IL)

I asked this creditor to stop harassing me at work and at home, they are calling my work and my cellphone Im having hardship and I cant afford to make regular payments at this time. I asked to leave me alone and let me figure out how to repay loan.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (DC)

I noticed an unauthorized XXXX contact addition ( XXXX XXXX, phone number : XXXX ) and subsequent unauthorized XXXX payment to that contact in the amount of {$50.00} on XXXX XX/XX/XXXX at XXXX. At this time I was at work with my phone in a locker. I could not have done this. I called Ally bank the next day and alerted them of this so they could secure my account. Representatives confirmed that the addition of this XXXX XXXX to my XXXX contact list was weird because the person also attempted to change my account information ( phone number and email ) to theirs ( XXXX ). Per the representative, the money was sent to a XXXX XXXX  account ending in XXXX. My account was locked so Ally could investigate. I called to regain access to my account and no information was given to me. Representative XXXX called to get more information from me, but could not tell me when I would regain access to my account. She said it may take some time. I called the next day to confirm that XXXX was an Ally representative, and they said yes. This new representative now told me that my account was being closed. She said XXXX told me this the week prior. This was inaccurate. At this point, my salary was still being submitted to that account. I attempted many times to reach Ally 's Fraud department again, and I was left on hold for hours, only for the call to end with a fax dial tone each time. I called again on XX/XX/XXXX and spoke to XXXX who connected me with his team lead XXXX. XXXX confirmed she got the Disputes Department to close, and my case is now being sent for review to the fraud department. It's been nearly 1 month, and my rent is due as is that of my joint account holders. Would be nice to not get evicted because I did the right thing in reporting a fraudulent activity on my account.
Consumer complaint received 2023-03-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

On XX/XX/XXXX, I called and talked to Carrington about my complaint. I was on the phone with them for almost 2 hours. While talking with the representative, I was told there was nothing they could do for me. I asked to speak with a manger, who also reviewed information with me but stated there wasn't anything they could do. 
My mortgage was transferred from Carrington to XXXX XXXX in XXXX of XXXX. When it was transferred, I was told by XXXX XXXX that I was a few payment behind. I called Carrington then and was told there was nothing I could do. Now, a year later, I am trying to do something with my mortgage and Carrington is not helping me. They have falsely reported multiple lates to my credit report. I can tried to dispute this and cant get anywhere with them. I have proof of the payments from my bank account. I also have a history from Carrington showing payments being made or paying extra. They told me the extra money would be put in a " bucket '' when I had enough for an extra payment, they would apply it. So essentially I thought I was a few payments ahead. I was also told by the rep on XXXX  that a payment isnt considered late until its 20 days late. After reviewing the file, she didn't see where I had been 20 days late on a payment! You can see in the payment history, there is unapplied funds just sitting there. I never got those funds back and they were never transferred to XXXX XXXX, per XXXX XXXX. Where did my funds go? How much money did I pay extra and not get back or transferred to XXXX XXXX? How much do they owe me? While talking with Carrington for almost 2 hours on XXXX the rep agreed that this was " a mess, it was all screwed up and it looked as if Carrington had put lates on my credit for no reason '' ( reps words not mine ) but even though she felt that way, there wasn't anything she could do to help me because the account was no longer with Carrington. Per XXXX XXXX, Carrington continued to report lates on my credit after I was no longer with Carrington and it had been transferred to XXXX XXXX. They acted as if the loan with still with them and reported lates and it wasn't with Carrington anymore. Due to all of this, I am unable to do anything with my mortgage due to all the lates that were reported incorrectly and falsely! I have done a lot of research and it appears this is a known issue with Carrington and we need to get this stopped. 

Also, because of all of this, I have been paying extra each month to " catch up the payments '' with XXXX because they have to go off of what Carrington provides them, which was that I was behind a payment or two.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Assured Financial Partners (CA)

i had gone to a small car dealer on monday XX/XX/2017 and i wanted to get a car so they got my social security and my credit history and also information where i work at. So the dealer was acting for too much down payment so i declined and did not proceed to get a vehicle there. But they had stayed with all my information. On Wednesday XX/XX/2017 someone had called my job and left a message to XXXX stating that if i dont call first equity at there phone number that otherwise they were gon na come by my workplace and subpoena me if i dont call. Since i work graveyard shift i was n't able to get the message until that night my supervisor had hand me the message from XXXX .The next morning i call the number that was left to call, so i did call and the person that i was supposed to call was not there so the put me to talk to a different person and they kept threatening me that if i dont pay as soon as possible i was gon na get subpoena and get sued and likely to take money away from my paychecks from work if i dont pay them by this month. They also had told me about how they knew my credit history and everything i had owed. So then i remember how i gone to a car dealer this month on the XXXX and they had stayed with my credit history and information where i work so i think im getting scam by that same car dealer to take my money from me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the far credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name : XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX Acct # : XXXX, Acct Name : XXXX Acct # XXXX, Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Nmae : XXXX Acct # XXXX Acct Name XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : 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 take any report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with 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 2018-02-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.
Consumer complaint received 2023-10-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

XX/XX/XXXX - called to close CD upon maturity They said I would have to go into branch. There is no branch in my state. 
They said a recovery team would call me in 1 to 2 business days. 
5 business days later on XX/XX/XXXX I called them again. They said the exact same thing. 
Now it has been 10 days and I called them today and they say the exact same thing. 
I filed a complaint with the bank " XXXX '' I let them know I needed my funds. It has taken an hour or more of my time each time I call. 
They are keeping my money against my will. 
Thank you and please help. 
XXXX XXXX XXXX