davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: M&T BANK CORPORATION (GA)

After reviewing a copy of my annual credit report, I have noticed that I have XXXX closed mortgage accounts placed in my file which is causing my credit to be less than mediocre. Because I was not equipped with my rights as a credit consumer at that time, I had no idea that there was anything I could do to fight this. 

Neither of these debts have been verified or validated for me and if this is correct, I have absolutely no knowledge of the amount owed, if I wanted to remedy the problem. 

It is known that both M & T Bank and XXXX have predatory lending tactics aimed at minorities, therefore, I hope hope that they ae not attempting to take advantage of me as a single XXXX mother of XXXX children ( ages XXXX and under ).
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-03
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. (NC)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/18, I received a promotional offer via email from CareCredit Rewards. The terms of the offer were as follows : " Spend {$250.00} and Earn a {$25.00} Statement Credit* '' or " Spend {$500.00} and Earn a {$50.00} Statement Credit* '' on purchases now through XX/XX/18 ( *Excludes In-Network Purchases ). After registering for the offer, I spent {$560.00} on out-of-network purchases prior to XX/XX/18. On XX/XX/18 I received a {$25.00} statement credit. When I called CareCredit on XX/XX/18 and asked why I received only a {$25.00} statement credit rather than the {$50.00} statement credit that I had earned under the terms of the promotional offer, I was told that a {$50.00} statement credit would only be earned on a single purchase of {$500.00} or more. When I objected because that condition does not appear in the promotional offer that I received on XX/XX/18, I was told that my complaint would be reviewed by CareCredit 's marketing team ; and I would be notified of its decision within 10 days. As of XX/XX/18 ( i.e., 16 days later ), I had not received a response to my complaint ; so I called CareCredit again and was told that the marketing team had reviewed my complaint and denied it. In summary, I am owed an additional {$25.00} statement credit by CareCredit because I met the terms of its offer by spending more than {$500.00} during the qualifying period after registering for it ; and the offer did NOT indicate that {$500.00} had to be spent on a single purchase to earn a {$50.00} statement credit.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card close my account after a period of inactivity, said that they sent a letter warning me before closing the account in XX/XX/XXXX, and then closed the account in XX/XX/XXXX, but never got that warning letter. They closed my account and said all my reward dollars are now lost, {$5700.00}. 
Called 4 time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX. 
Wrote letter XX/XX/XXXX to Capital One credit card company appealing closing my account without warning, and pay the rewards, which I got a response letter to call them to try to resolve the issue. 
Capital One company turned down my appeals.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (AR)

On XX/XX/ I entered into a loan with Mosaic for XXXX XXXX through XXXX XXXX. The loan amount is approx XXXX. The panels installation is only 60 % complete according to the portal of the installation company. The solar panels have yet to be inspected and there is no way to know where we are at in the installation process. The panels are not functioning at this time. There is no monitoring system available. No solar companies will maintain or take on our solar project. Our full loan amount was dispersed to XXXX even after notifying Mosaic that we did not have permission to operate at the time. Mosaic dispersed money to the installers prior to ensuring that the installation was complete. There is currently a class action lawsuit again XXXX with almost all customers reporting the same issues with both XXXX and Mosaic. The attorney general in Arkansas has also filed suit. Mosiac has refused to speak with us about our loan or cancelling it at this time.
Consumer complaint received 2023-03-28
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)

I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit report.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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 XXXX 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 2023-08-03
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. (NY)

Hello, hope all is well. 
I sent out a letter of dispute on XX/XX/XXXX to Transunion. However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. According to the Law 15 U.S Code 1681A-Definition rules of construction. The term investigation on a consumer report means, a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics or mode of living is obtained through interviews with neighbors, friends or associates of the consumer reports on or with other with whom he is acquainted or may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the " consumer ". In 15 USC 1681 section 604 states that the consumer reporting agencies can not furnish your account without my written permission, I did not give written permission to these accounts on my credit report. I would like to know who did they talk to? How did they complete this investigation? Please help me.
Consumer complaint received 2023-05-17
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXXXXXX : XX/XX/2023 Thank you in advance, XXXX XXXX
Consumer complaint received 2024-04-02
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. (GA)

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 2023-03-28
Product: Credit card or prepaid 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: Paypal Holdings, Inc (MA)

Dear Sir/Madam, I am writing to formally request your assistance with a matter concerning a fraudulent transaction that occurred on my PayPal account in 2019. The transaction in question was initiated by XXXX XXXX, and despite my efforts to dispute the transaction through PayPal, they have denied my dispute and are now attempting to send me to collections. 

On around XX/XX/2019, I noticed an unauthorized charge on my PayPal account for {$300.00}. I immediately reported the transaction as fraudulent and initiated a dispute with PayPal. Despite providing all the necessary documentation and evidence to support my claim, PayPal denied my dispute, citing insufficient evidence of fraud. 

Since then, I have attempted to resolve the issue by contacting XXXX XXXX and providing them with the same documentation, but they have been unresponsive and uncooperative. As a result, the unpaid balance remains on my account, and PayPal is now threatening to send me to collections. 

As a consumer, I have made every effort to resolve this issue directly with both PayPal and XXXX XXXX, but my attempts have been met with resistance and denial. I am requesting the intervention of the Consumer Financial Protection Bureau to help me resolve this matter, as I firmly believe that I am not responsible for this fraudulent transaction and should not be held liable for the associated charges.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my XXXX 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 an alleged fraud or extortion. 
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 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 2021-06-30
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2023-08-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-06-18
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. (FL)

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 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 an 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 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I already tried to dispute in XXXX XXXX and it was not accepted. I am receiving debt from my mother who lived at XXXX XXXX XXXX XXXX in XXXX, fl. I have not lived there since I was XXXX or XXXX, I am now XXXX and my mom moved out either last year or the end of XXXX. If they think I lives there its because I lived in XXXX  for a few years and when I moved back I didnt know my license could be revoked for not having a fl license. I didnt live with my mom but I also was just staying with friends at the time so she let me get notorized to use her address just so I could get my license back. I am not responsible for her apartment debt.
Consumer complaint received 2024-04-02
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. 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 account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted XXXX TransUnion and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them