davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I am writing to complain about your decision to deny my credit card application for Chase XXXX XXXX XXXX in XX/XX/2022. I feel that your decision is unjust and violates my consumer rights. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a copy of my credit report and the reasons for any negative action taken against me based on that report. However, I did not receive any such information from you, and therefore, I am unable to fully comprehend the reasons behind your denial. 

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits credit discrimination on the basis of various factors such as race, color, religion, national origin, sex, marital status, age, or because a person receives public assistance. I believe that my application was evaluated unfairly and that my rights under the ECOA may have been violated. 

I request that you reconsider my application and provide me with a detailed explanation of the reasons for your initial decision. I also urge you to ensure that your credit evaluation process is fair and impartial and that your decisions comply with all relevant consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

ORIGINAL COMPLAINT CASE NUMBER ; XXXX Yesterday, I got an email from CFPB informing of the closure of my case, simply because WELLS FARGO could not find my mortgage number. They could not locate my mortgage by borrowers ' names. I was shocked. This is unacceptable. XXXX XXXX XXXX from WELLS FARGO called me that unless I give her my mortgage number, she could not do anything further. All other mortgage companies use the borrower 's name and social security number. Why can't WELLS FARGO? 
I found a credit report issued in XXXX with XXXX digit mortgage number, XXXX. 
The date opened was XXXX with another bank. Our mortgage was sold several times since then. 
My ex-husband was struggling to pay the mortgage in a timely manner since XXXX. Several foreclosure notices were issued. On XX/XX/XXXX, I had to pay {$30000.00} of late payments to get back to my regular schedule. Both my ex and I requested loan modification, but WELLS FARGO refused. Since my credit has been severely damaged by this, I sold the property via fire sale and paid off WELLS FARGO {$74000.00}. The actual mortgage we owe was only {$66000.00}. However, with exorbitant fees of late penalties, I was forced to pay almost {$8000.00} extra to get out of the contract. 
Hopefully, with XXXX digits of the mortgage number, WELLS FARGO can locate my history of mortgage and tell me why our request for a loan modification was flatly denied. It adversely affected both my ex and my financial situation afterward. 
It took several years for me to build my credit back up. 
Thanks for helping a XXXX lady.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After filing complaint # XXXX, XXXX XXXX, and Capital One, # XXXX, on XX/XX/2023, I received numerous calls from persons claiming to represent Capital One. Capital One 's representatives are as follows : XXXX, or XXXX, per my voice mail she uses both, add " CC, '' and XXXX XXXX 

Beginning XXXX, these persons, at XXXX, are claiming to be " executives '' when they call -Capital One Executives. They harassed me on the phone. 

I return their calls, and they play ignorant about why they are calling, and instead want me to furnish information about 'their ' call. 

The calls are harassing, made early in the morning. This appears to be Capital One 's response to my complaint against XXXX, and them.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Notice 2 I am writing to address my concerns regarding a recent agreement that I believe to be a contract, but now suspect may have been a trust agreement.

Upon further review and consultation with legal counsel, I have came to believe that misleading and deceptive practices were use to make me believe that I was entering into a contract, when in fact, it appears to have been a trust agreement.

I would like to bring to your attention the importance of distinguishing between a natural person and a legal person in this matter, as a natural person, I have certain rights and obligations that are separate from those of a legal entity, such as trust.

I assert that any agreement entered into must be done so with full transparency and disclosure of the nature of the agreement, including whether it is a contract or trust agreement. I believe that I was misled into believing that I was entering into a contract. When in reality it appears that I may have unknowingly become a party to a trust agreement.

In light of this revelation. If it indeed a trust agreement that I am the grantor of, I would like to properly express this trust and ensure that all necessary steps are taken to formalize and document the trust in accordance with legal requirements.if you are to continue to state it is a contract, I will need full accounting by law of that GAAP of both accounts receivable and accounts payable. This is the only acceptable proof of claim to it being a legal enforceable contract! 

I request that a full review of the agreement to be conducted to determine the true nature of the agreement and to ensure that my rights as a natural person and as the grantor of the trust are protected. I also request that any misleading or deceptive practices be rectified and that any necessary actions be taken to address this matter. 

I appreciate your prompt attention to this issue and looking forward to resolving this matter in a fair and professional manner.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Transunion and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion is reporting that I owe {$230.00} but that is incorrect. I've received an email from a collection company stating that I allegedly owe {$230.00} Why are the balances different? Who validated this charge? 

According to15 U.S. Code 1681s2 You have a responsibility to furnish complete and accurate information. 

Delete the inaccurate account from my report immediately.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Finance Company, LLC (TX)

Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( Mar. 27, 2020 ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-06
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: BANCO POPULAR DE PUERTO RICO (MD)

I disputed twice to Banco Popular of Puerto Rico and XXXX that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, XXXX continues to report the foreclosure. Banco Popular reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX  and in XXXX ( 4 years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX XXXX  past due when my last payment was in XXXX.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

I contacted care credit ( Synchrony ) on XX/XX/year> to discuss the monthly interest rate charged to my account monthly. I understand that my promotional expired in XX/XX/year> however, they have added over XXXX to my account in addition to over XXXX XXXX dollars in interest monthly ( XXXX XXXX ) I am making my minimal payments monthly on time but it's impossible to pay off my debt when the interest is added monthly. I asked synchrony for options to resolve this matter ( reduce my interest rate ) and they declined.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (CA)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiry remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with tis inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am requesting your help concerning this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help. Your improper handling of my credit report had me on my knees because of your inaccurate reporting my reputation was destroyed. You must remove these inaccurate information on my credit report.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management has filed a lawsuit over a product they know is not mine and was the result of identity theft. Before doing so, they maliciously accessed my credit file without authorization on XX/XX/year> and XX/XX/year> to collect information. This file had been removed due to fraud years ago, and they were not granted permission to access it. They used the stolen information to build a lawsuit, which has been dismissed on XXXX separate occasions due to their negligence and failure to provide accurate information. Additionally, they distributed my personal information to multiple addresses without my consent and pressured me to sign up for payment plans while harassing me at my home. When they failed to achieve their goals, they continued refiling the same lawsuit in different districts. Recently, after I appeared in court to address the harassment, the judge requested discovery. Instead of complying, Midland Credit sent documents in an attempt to coerce a confession during the discovery process because they have yet to provide any accurate information. Midland credit management is well are this account was open in fraud and are trying to steal funds through malicious attempts at taking personal information
Consumer complaint received 2024-10-20
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. (SC)

Beginning XX/XX/year> until XX/XX/year>, I had been rate shopping for a mortgage loan. Equifax has listed on my credit report five ( 5 ) hard inquiries, one for each mortgage company that checked my credit. I have never denied that I entertained rate quotes from these mortgage companies. My issue is according to the policy of Equifax if a person is rate shopping for mortgage loans within a specified number of days, then the hard inquiries are consolidated and count as one ( 1 ) hard inquiry. The hard inquiries are not consolidated as they should be according to Equifax policy.

I previously filed a dispute for this same matter. Apparently, the dispute was not fully read or misinterpreted, because notices were sent to the five ( 5 ) mortgage companies that I had been rate shopping. These notices stated that I disagreed with my credit file being retrieved as a hard inquiry, so I received phone calls, emails, and documentation via USPS mail that the inquiries were legitimate. The legitimacy of the inquiries has never been in question, only the consolidation by Equifax which to this date has still not occurred and is impacting my credit score.
Consumer complaint received 2024-10-20
Product: Credit reporting 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. (TX)

Here is a list of the unauthorized inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Here are some of the derogatory items on my credit XXXX. XXXX XXXX XXXX Was 120 days late XXXX time ( XXXX ). 
XXXX. XXXX XXXX XXXX, collection account, placed for collection
Consumer complaint received 2024-10-20
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. (GA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  Account number - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (VA)

On XX/XX/XXXX, I initiated an international transfer of {$500.00} but that was not delivered. It has been six long years of them keeping my money! I received a letter from Ria asking me to complete a form and a copy of my drivers license in order to receive the funds back. I sent all the documents on XX/XX/XXXX, but I have received absolutely no response despite numerous phone calls and follow up emails. Even the phone number on the form is deceptively wrong, and nobody picks up. They are deceptive and contantly lie because they do not call back as promised, and they do not honor their commitments. ( Ria Transfer Order # XXXX )
Consumer complaint received 2023-05-08
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)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

This account is not mine. I was sued by Lvnv funding on XXXX XXXX at this time, In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally requested validation of this debt which they did not comply, the judge gave them 30 days to validate the debt which they did not.