davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (TX)

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 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  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 2022-10-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

On three separate occasions, I have sent extra monies to Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Extra monies were earmarked for Escrow only ( XXXX XXXX ). This amount was applied towards principle although it clearly stated in the memo selection, ESCROW ONLY. In XX/XX/XXXX, the same thing occurred although this time, it was listed as PAYMENT UNAPPLIED. Date was XX/XX/XXXX. It was finally rectified on XX/XX/XXXX. I advised then that I would file complaints if they didn't get their act together. The persons involved in applying these payments needs to pay careful attention to what is in the memo section. Same thing before on a principle payment prior to XX/XX/XXXX. Three payments, all applied to the wrong account portions. I should not have to contact Homepoint each snd every time that i send extra monies because someone is derelict in their duties.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$60.00}
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (SC)

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 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 2023-01-17
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-23
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (NJ)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-05-23
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The attached account on my report has been removed from my XXXX consumer report. Per the 15 USC 1681, all three consumer reports must be reported accurately and uniformly. Please see the attached screenshot of my report for evidence.
Consumer complaint received 2023-03-04
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. (SC)

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX5 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 the information is inaccurate
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC (MD)

as of XX/XX/XXXX the Collection Agency called XXXX XXXX XXXX XXXX XXXX agents of XXXX XXXX XXXX XXXX Case Number XXXX their phone number is XXXX ref. no. # XXXX XXXX, Doughty & Veldhuis have refused to update the current status of my credit to indicate that since XX/XX/XXXX that I have been making payments on this debt which is currently at {$2500.00} to the Credit Bureau that Payments have been made! It still this date XX/XX/XXXX registered as being late, late, late and late. XXXX stated its not their problem that its not being updated properly to the credit burerau. Yet they are the agent for XXXX XXXX collecting debt for XXXX XXXX yet they refuse to update that payments are being made and the debt is being reduced, yet they refuse to properly update the current status of the account and its reported as still being negative, late, late. 
please can you fix this problem. 
thank you!
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (PA)

Wellsfargo did a reinstatement of my {$220000.00} mortgage balance. The fees brought it to {$260000.00}. I was told if I paid the mortgage on time for XXXX yrs, {$30000.00} would be taken off. I was never told about an additional {$100000.00} deferment or the extra XXXX they added to my reinstatement to make it a XXXX instead of XXXX. 

When I asked questions in XXXX  about the {$30000.00} being taken off they did not. That's when the mortgage was sold and then I was told about an additional {$100000.00} on top of the {$40000.00} already charged in fees. 

It was sold to ASC and that's when I found out about a XXXX mortgage. 

This deal was done with XXXX XXXX, a mass mutual financial adviser that sold insurance products, who told me he was able to get Wellsfargo to reinstatement my mortgage, but the intrestrate wouldbe high, 9.5 % I believe. 

The mortgage broker met at the city line office, in XXXX, where I signed, and she explained this as a reinstatement. 

My complaint is Wellsfargo and ASC hid my mortgage from the class action case and did not include it on purpose, because many other people had the same complaints of extending the mortgage terms of yrs, without the borrower 's knowledge, and adding absorbent amounts of unjustifiable fees. Wellsfargo added {$140000.00} in fees, penalties and court cost to an outstanding {$220000.00}, that will have me paying them almost 5x the original amount, or close to {$1.00} XXXX dollars, that includes a lump sum of over {$50000.00} in yr XXXX at the age of XXXX old. 

This story needs to go in a book, Time magazine. Please tell the world. I want this mortgage dismissed, because Wellsfargo hit an all time low gor fraud, and sets a new all time precedence, for mortgage fraud dirrcted towards XXXX XXXX 

I want to give this to XXXX XXXX. This is discriminatory, racist, and goes against my human and civil right to the pursuit of everything I am allowed under the constitution of America, as an XXXX and a XXXX. 

XXXX XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OK)

I signed up for the Paypal XXXX XXXX. To date, I have received only 4 statements. Every month other then XXXX, I have made large payments to keep my balance down. The first month the payment was just under {$300.00}. For both the second and last statements, I paid {$300.00}. Both times my available credit was reduced by the amount of my payment, so I didn't have my full balance available. Currently, paypal shows I only have {$7.00} available credit and a balance of {$190.00}.??, which totals only {$200.00}, yet my credit limit is {$500.00}. I am being penalized for keeping my balance lower. They are claiming out of character, but the attached statements show that isn't the case.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-04
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I used Chase credit for a hotel booking back to XX/XX/XXXX, but the annual hotel credit has not been applied. I have called in XXXX and XXXX, then received a letter from Chase saying that the credit will be applied XXXX billing cycle, without giving me a reason why the credit keeps delaying. 
I called again at XXXX XXXX XXXX, XX/XX/XXXX, with a total of XXXX hour and XXXX minute calling time. At the end, it was someone claimed that she is the manager, and told me that the XXXX XXXX credit won't be applied until next credit card renewal date, which is a totally new and incorrect information. Please see the attachment ( Case Searched XXXX ), the credit just came within a week. 
I have already closed the credit card due to the bad attitude from the " manager '', but I do suspect a racism from the " manager '' because of my XXXX with the accent.
Consumer complaint received 2023-05-23
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, with XXXX XXXX XXXX Has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX ending in XXXX, with XXXX XXXX Has violated my rights. 

15 U.S.C 1681 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.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC (DE)

I took a {$400.00} payday loan out for bills during XXXX. I have been unable to pay back due to ongoing medical bills, and personal bills. The company has called my phone over XXXX time a day, and left several messages. Now theyre sending threatening emails saying if I make a payment of {$50.00} I can avoid them from processing a judgement with the local courts.
Consumer complaint received 2024-03-25
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-23
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. (TX)

Equifax will not remove a fraudulent XXXX card from my credit. I have tried several times to inform them of the false information. Ive never had that account it is fraud and not mine, also a XXXX account is on my report that is fraud and not mine they refuse to remove it I have also only ever lived at XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX since 2013 all other addresses or not correct
Consumer complaint received 2023-03-04
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-04
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. (NJ)

XXXX, XXXX, and Experian have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.