davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Consumer complaint received 2023-09-11
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. (NY)

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. List of Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/year> at approximately XXXXXXXX XXXX  I received a notification on my phone from XXXX. I opened the XXXX XXXX to see what the notification was about. All it said when it came down on my phone screen was ; there was a change to your credit file. I seen that my credit score went down XXXX points. I clicked on the Alerts & saw that there was a hard inquiry from Capital One. A Quicksilver card was opened in the amount of {$1000.00}. I immediately called Capital One where an investigation was opened, I was then told to call all three credit bureau to dispute that same hard inquiry. That inquiry is UNAUTHORIZED.
Consumer complaint received 2023-09-11
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)

My credit report is showing late payments to 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. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Consumer complaint received 2022-12-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Colony Mortgage Corp. (UT)

I have second hand knowledge of this. This conversation came from someone at the top of XXXX XXXX. 

Please. This is confidential information but I have been made aware of fraudulent activity between XXXX and their preferred lender, First Colony Mortgage to incentivize home sales since the market has shifted. XXXX  has contributed a substantial amount of money to First Colony to allow a rate buy down. They are essentially double dipping and exceeding industry tolerances for an interested party in order to sell more homes I work in the mortgage industry and am close to the source on this so I cant be involved.
Consumer complaint received 2023-09-29
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. (PA)

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 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 In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (NY)

I was scammed in XXXX for $ XXXX. I reported to the police. My bank account is Citibank and the money went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The police filed a XXXX on my behalf to Citibank to provide information on my account to where the money went. Citibank replied saying that they could not find such information. This response is impossible as I have been a customer bank client and requested information on the account that they closed of mine because the scam.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo froze my account and refuses to let me withdraw any of my money from the balance or debit card. They claim it was triggered by suspicious activity and violation of user agreement The only thing I did was try to buy cryptocurrency through the venmo app ( a service they OFFER ) and they declined it and completely locked me out of my account. I keep calling and messaging and nobody will reach out to me or give me an answer on how to fix it. I have over {$800.00} just sitting in my account with no way to get it out.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX  I opened an Ally bank account, one of there HYSA account just one. I did this because I had a large amount of money in my XXXX XXXX account received from a selling my personal home. It was more than the FDIC protection so I felt it was best to transfer the excess to another bank. I called ally prior to the XXXX and spoke to an rep about my situation and they told me how to open an account. After, I opened the account I initially transferred small amounts to Ally to make sure there would not be any issues, but eventually I ended up transferring over XXXX. I had been with my other banks XXXX XXXX for over 15 years without any issues and I've transferred funds without any issues in the past. So I wasn't expecting any issues here. Anyways today XX/XX/XXXX  I get an email from Ally stating that my bank pin had been changed. I assume they meant my bank password but the email said bank pin and that they cancelled access to my account. I still had two pending transactions into the account from other personal banks. I called into Ally to find out what is going on. I spoke to the first representative who said that my account is still in tact and she doesn't see any fraudulent activities. Then she transferred me to another account representative in fraud department. This particular representative went through a series of verifications and then she let me know that my account is " under review ''. I asked her about fraudulent access, she says there was not any fraudulent activity. Then I asked why was I sent a email saying a pin was changed she said she's not sure. She thinks it was just sent to me to prompt me to call in but she doesn't see any changes. She said she will submit the information she collected from me to the review team and I should wait to hear back. In the meantime I'm not able to access such a large sum of money. I've only been with this bank for 2 months and I've immediately experienced something that in 10-15 years in banking with XXXX or XXXX I've never experienced. I became even more nervous when I read about other customer experiencing the same thing. I'm extremely worried about my funds and need more clarity.
Consumer complaint received 2023-02-25
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)

In accordance with the fair credit reporting act. Experian has violated my rights 15 U.S.C 1691 section 602 A states i have rights to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

On XX/XX/2021 I called Credit Systems to inform that I paid the XXXX  account in full and to ask them to remove the collection from my XXXX  credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CO)

Since taking over the servicing of my home loan, Mr. Cooper 's online payment system appeared to be charging me a higher monthly payment. But upon further clicking on the options, I discovered that it was defaulting to a late fee payment automatically being paid. No matter what date or how early I attempt to make my payment, the default to a late fee being included is included, forcing me to click a drop down menu where zero is not even an option. It forces a consumer to actually enter " 0 '', and the APPLY, before the fee goes away. See attached photos, it's XXXX and they are showing a late fee due on XX/XX/XXXX. 

I can't imagine how many consumers, while paying 5-20 bills each month, just don't notice or skip that step each month, assuming the mortgage company is publishing only what is actually due. This feels like stealing, taking advantage of the public. I've been paying personal and investment mortgages for nearly XXXX years and have never seen something so predatory.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NV)

In my opinion Discover has violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In accordance to the fair Credit reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy Section 604 A section 2 It also states Set consumer report agency can not Furnish Account without my written instructions Under 15 USCS 1666b A creditor may not treat A payment On a credit card account Under an Open end consumer Credit Plan as late For any purpose
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I called them about 3 months and they said to remove the accounts but up until now, the accounts are still reporting under their bureau. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventough the companies already removed the accounts from the other bureaus. 

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 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (OH)

On XX/XX/XXXX a certified package with green return receipt to sender.A validation of Debt, for account # XXXX and a notice of dispute along with a cease and Desist accompanied with a nortized affidavit of truth was sent to the debt collector CREDIT CONTROL CORP. To no avail my affidavit was not rebutted, my cease and Desist was not granted, and no validation of Debt was given and a remedy for cure was not attempted .So on XX/XX/XXXX another certified package was sent with previous documents along with EXHIBITS A thru G and Invoice # XXXX once again giving CREDIT CONTROL CORP. the opportunity to cure.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing has refused to offer us a mortgage modification or any other program to keep our home. They are bent on selling this home that is home to my XXXX minor children. I have been sick and have not been able to earn money. I informed them about it. It will take me time to come up with the funds to make payments. 
I have pleaded with them repeatedly to give me time to make payments or some sort of modification so that I can keep my home. But, they have refused and have sent it to a lawyer for a foreclosure sale.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (PA)

I'm in the middle of a divorce and got behind on credit card payments. I contacted Chase in XX/XX/year> and was able to get on a payment assistance plan and made payments through that plan by auto-deduct from my checking account for XXXX, XXXX and XXXX. As XXXX was the last payment, I went to my account online and noted I've been charged late fees and interest while on this plan and my balance is still over the credit limit and my monthly payment is showing as over {$600.00}. I called Chase and was on the phone for over an hour, transferred to 5 different representative and when I finally talked to someone in collections about another payment plan, the call disconnected. I tried to call back and was told they can't transfer me back to the person I was working with. I'm just begging for Chase to help me at this point. I'm a XXXX XXXX  with XXXX XXXX and I'm trying to pay on this card and get the balance down. Is there someone who can please review this and contact me to hopefully set up some kind of plan.
Consumer complaint received 2023-04-21
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)

On XX/XX/XXXX of 2023 a letter was sent to the 3 different credit bureaus.

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX + XXXX XXXX + XXXX XXXX+ XXXX XXXX XXXX  XXXX + XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.