davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2023-02-06
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. (FL)

It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

I previously opened  Barclay Card Gold Luxury Card  and   XXXX   XXXX   credit card products during   XXXX   XXXX   XXXX   As part of the beginning of my banking relationship with  Barclay Card , I chose to apply for servicemember benefits being offered. At the time, I was appreciative that  Barclay Card  was providing myself and other  XXXX   XXXX  servicemembers with benefits that exceeded what the Servicemembers Civil Relief Act requires. These benefits included, among other things, transaction and annual fee waivers and 0 % interest fees. When  Barclay Card  approved their benefits, they made it very clear through a letter mailed to my address that the benefits outlined would be afforded to me throughout the duration of my  XXXX   XXXX  service. There was no such language in this correspondence that indicated that the benefits being extended would be rescinded at any time prior to my separation from the military.     In  XXXX  of  XXXX ,  Barclay Card  delivered a letter to my residence stating that an annual fee waiver would no longer be extended to me, despite previous written correspondence to the contrary which indicated that an annual fee waiver would be provided for the duration of my time on  XXXX   XXXX . While I understand that  Barclay Card i s stating that I am not covered under the  XXXX  since I opened the card after entering  XXXX   XXXX , I disagree with that premise for the change in terms.  Barclay Card  offered the servicemember benefits in excess of what the  XXXX  required and to members who had already been on  XXXX   XXXX  service previously as a matter of company policy and not as a result of being compelled to do so under the  XXXX . While I understand that company policies change according to the prerogative of the company,  Barclay Card  should have considered the verbiage of correspondence to customers prior to the policy change in determining how it would proceed with customers covered under prior policy. It seems that the termination of benefits offered to servicemembers under the previous company policy is in bad faith after review of the correspondence from  Barclay Card  and the associated policies, both past and present.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Ace. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; and XXXX XXXX XXXX XXXX - XXXX :, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. ( I did give up that right ).

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instruction. ( I have not given written authorization ), 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. ( The listed accounts are unwanted " Adverse Reportings '' 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. ( I have presented several examples of inaccuracies )
Consumer complaint received 2023-02-15
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. (PA)

An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (CA)

I have solo professional practice. On  XXXX   XXXX ,    2016 I o pened a new account with the same processor as required through the new Credit card processing machine and program I enrolled in.     The Credit card processor  " Elavon ''  opened my new account as I requested, however they did not close my original account as I requested on     XX/XX/XXXX  and   XXXX   XXXX  2016 .      Now I have found out that they have charged me a total of {$1000.00} in minimum fees on the dormant original account even though I had requested such account be closed and was told it was closed. These fees were improperly taken from my " new '' active account.   Thank you.
Consumer complaint received 2022-11-29
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)

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 XXXXXXXX XXXX/DEPT OF ED- 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 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 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 7 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 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

Chase has not followed the laws in investigating this. I reported in XXXX of XXXX have not received any documentation in writing as of XX/XX/XXXX. I was provided no documentation of their findings, nothing was done in the required law time frame, they reported to the credit agency late fees during investigation, the interest rates they put back on my card are incorrect and these are just the laws I know of. In XXXX of XXXX, I received several fraud alert texts from my credit card company. I reached out to Chase Credit card and start the disputes. I asked since it was so much and for multiple months did I need to file a police report or what else should I do. I was told by Chase " rest assure Chase will remove these charges. '' In XXXX of XXXX, all the fraudulent charges that were in person were put back on my card by Chase, stating I am responsible due to the chip being used. Basically, Chase picks and chooses what is fraud. The card was lost/stolen so of course the chip would be used, and the information they received stating chip is used could EMV cloning, shimmer or EMV bypass cloning. Mind you my other credit card company had no problem reversing these charges for the same stores.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Due to COVID, I had a difficult time making my mortgage payments and fell behind in XXXX, XXXX. My lender has denied any assistance to me. They have been asked repeatedly to send me the actual denial for appeal and I still have not received it ( I have been requesting it since XXXX, XXXX ). I am unable to appeal or know why I was denied. They have told me there is no available assistance for COVID and that I need to reinstate. They have sent my loan to an attorney for foreclosure. I was under the impression that the CARES act was passed so that homeowners did not lose their homes due to the virus. I also have now experienced XXXX hurricanes this year and my lender told me there is no assistance with that either. I want to pay my mortgage and keep my home however my lender is not allowing me.
Consumer complaint received 2023-01-07
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. (TN)

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. Have violated my rights. 
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 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 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 The address of XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of fraud. A XXXX XXXX XXXX Visa credit card serviced by Synchrony Bank has been opened ( and reissued twice even after my report of fraud ) under by name and address. I have called to inform them and they have more than once continued to allow the person perpetrating the fraud to change my address and also fill out and send in the affidavit of fraud saying to Synchrony that there was no fraud ( when there is ). The company seems to have no interest in resolving the issue as I have reported it several times. This week I received a letter indicating that my claim of fraud has been denied because someone has accepted the charges. That person was not me, and I assume it must be the fraudster. This issue has been going on for several months and we are not anywhere near a resolution.
Consumer complaint received 2023-04-08
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. (MD)

The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX of 2015 Nationstar Mortgage LLC who is servicing the loan on my home in California notified me that my flood insurance, which was for more than the amount owed on my home was insufficient. I was required to obtain flood insurance for the replacement cost of my home at a cost of over 133 % of the original premium. Nationstar threatened to place forced insurance on my home if I did not insure it for more than 3 times the amount I owe on the mortgage.
Consumer complaint received 2023-01-07
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 2017-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I purchased from  XXXX . At that time I opened a credit card, as I was offered reward credits. I called many times requesting a bill and amount of rewards. After many months I finally received a bill with lots of late fees. I was told bill was sent out. I do n't believe it, I have lived here 27 years, I have always receive my mail. I called Comenity Bank and was given an balance of bill without fees ( I trusted their figures  ). I i mmediately paid over {$1000.00} and considered the bill paid in full. Within a month  or two I re ceived a bill for {$2.00} to {$3.00 } hundred dollars. I w as told there was an error, the finance fees were not removed.  Said he wo uld remove finance fees, again, I was paid in full. Next bill continued to have finance charges. and late fees. Next call : I was told finance charges are never removed. Each month late fees are added. I plan to call   XXXX   XXXX   office. I am  XXXX   XXXX   XXXX  and always have had excellent credit.   Please advise me.
Consumer complaint received 2023-01-07
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. (LA)

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 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.
Consumer complaint received 2022-11-30
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over XXXX XXXX XXXX.