davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (SC)

Dear, CEO/ Superior Party of XXXX XXXX As a federally protected consumer, XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX I submitted an application to extend credit on XX/XX/2023 I was denied. I received a email stating that XXXX XXXX used a host of Determination factors with a lot of third-party companies : Clarity, factor Trust etc. , just to name a few. They used outside parties violating my consumer report to come up with a decision on this matter. As you may be aware, an adverse action against a consumer is against Federal Law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated, I have also been discriminated against. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that used my credit to card to credit this transaction., pursuant to 15 USC 1602 ( I ). Furthermore, you proclaiming an adverse action against me is unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). According to 12 CFR 34.3 ; A bank may use any reasonable method to determine a borrowers ability to repay, including, for example, the borrowers current and expected income, current and expected cash flows, net worth, other relevant financial resources, current financial obligations, employment status, credit history, or other relevant factors. Also, thats not talk about how you used 12 CFR 1002 Denial of Credit= Discrimination against me about this matter as well. This is an attempt to give XXXX XXXX an opportunity to rectify this situation. My intent of this letter is to benefit from a fair honorable transaction, through ta right granted to me according to law. You should resort to reasonable procedures to rectify my affairs and compensate me for the use of my social security number otherwise it would be considered unauthorized use since Ive received NO BENEFIT. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit. If you do not you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violation the law. I will then follow with an invoice to collect actual damages for each violation. XXXX XXXX
Consumer complaint received 2020-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both equifax and XXXX are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.
Consumer complaint received 2023-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Fixing Credit Consumer financial protection bureau -submit claim Improper use of report Message to copy : In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

Approx XX/XX/2023 applied for a Citibank Checking account in winch I had to go through rigorous identity verification to open, In which I successful completed, About 2 weeks from opening the account when several transfers we set from me and my partners old accounts, this new checking account with CITI WAS LOCKED AN UNABLE TO USE, ONCE AGAIN, I WENT THROUGH ANOTHER IDENTITY VERIFICATION from their fraud and loss prevention dept. I did ALL THAT THEY ASKED yet I still to this day have not been cleared nor heard from them. I keep calling them almost every day and they keep giving me the run around and they are holding up all my Money over {$2500.00}
Consumer complaint received 2023-07-25
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. (NC)

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 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-21
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. (CT)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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.
Consumer complaint received 2023-08-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CO)

I received a notice prior to foreclosure from Shellpoint Mortgage Servicing, dated XX/XX/XXXX. The notice states I am two payments behind, each approximately $ XXXXThere is also a " XXXX XXXX XXXX '' of {$3200.00} on the notice. This charge does not appear elsewhere on my statement, and Shellpoint has failed to provide a written explanation of this charge despite multiple requests. Furthermore, this is a VA loan, and foreclosure is not allowed to begin until the loan is 90 days past due. According to my most recent statement from Shellpoint, I am not 90 days past due. 
When I was granted a deferral from Shellpoint they did not send me any sort of confirmation paperwork. This lapse in communication is why I missed those payments. Since the loan is less than 90 days past due, I wish to discuss a payment plan to resolve those two payments. However, I dispute the {$3200.00} " XXXX XXXX XXXX ''. Shellpoint has also failed to send the required loss mitigation packet, for a VA loan that would be the loss mitigation packet specific to VA backed mortgages. 
I have also requested reasonable XXXX accommodations from Shellpoint, in that any communication regarding this loan be in writing. On XXXX XXXX XXXX I requested via email to XXXX XXXX, the XXXX person assigned to my loan that communication be via email, and that Shellpoint suspend calls. This request was also made verbally several times both before and after. This request was not honored by Shellpoint, and they have continued to place calls to my personal phone as recently as XX/XX/XXXX. The correspondence I have received from Shellpoint says that I will need to call their number, which is not feasible, and they have provided none of the accommodations requested. 
Despite the previous foreclosure being withdrawn, Shellpoint is still reporting to the public that my home may be a distressed property. This has drawn unwanted attention from several people, one of whom, who gave his name as " XXXX '' and said he was working " for the mortgage company '' showed up on my porch and refused to leave when asked. He was very belligerent, and threatened to break down my door and XXXX XXXX  me.
Consumer complaint received 2023-07-25
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. (TX)

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 2024-04-04
Product: Credit 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: ALLY FINANCIAL INC. (FL)

A purchase was attempted using ALLY Credit card. The transaction was shown as " Error '' on the vendor 's end on XX/XX/24 and was cancelled. Subsequent calls made to ALLY Bank ( 11 ) in total to get the charges dropped and taken off " Hold '' from my account were unsuccessful. I was given multiple misinformation such as the charges would be removed off my name in 3-5 business days, another customer service told me on XX/XX/24 that the charges were off and today looking at my account the {$5100.00} was still there. When called the ALLY representative who identified herself as a " Supervisor '' claimed that now it would take up to 112 business days for a non existent charge to be dropped off my account. When I explained to her that it was fraudulent practices she dismissed me and took no notice that I had made 11 calls in total to resolve the matter.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

As stated in previous letter I have asked for certain information pertaining this issue and wells Fargo is not investigating correctly I spoke with the rep from wells Fargo told her what the issue was what I was asking for for documents. I have also stated I didn't check in not my signature wells Fargo has failed to investigate correctly This also a accommodation letter asking for the details and documents I need to continue with this case.
Consumer complaint received 2023-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was transferred to NewRez, LLC aka Shellpoint.

For two months now Ive had to go thru their chat function to make my payment. Even though there is a grace period until the XXXX of the month, if you dont pay your mortgage before the XXXX you cant make a payment online. 

They havent made my home insurance payment yet. 

The reviews and complaints on this company are insane. I can not believe that no one has looked into them yet. I contacted the President via XXXX on XXXX advising him of such and begging him to look into this. I cant find out if theyve paid my home owners insurance. Theres no way to talk to them it seems except thru chat of which they want me to put personal information such as social, address, etc. 

I also have an open case with the XXXX XXXX XXXX. If you try to schedule your payment more than once it locks your account out for 24 hours. 

My XXXX  case is : XXXX Reviews and complaints from a XXXX search for reference : XXXX XXXX XXXXXXXX
Consumer complaint received 2017-12-03
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 — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (IN)

ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
Consumer complaint received 2022-10-18
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. (MA)

XXXX XXXX XXXX  has account nr XXXX with a Balance of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and XXXX loans which I will write about to you when I get more precise information from them.
Consumer complaint received 2023-07-25
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. (MD)

The account number for XXXX XXXX XXXX ( Account # : XXXX ) has incorrect late payment records. The three credit bureaus have reported different past due statuses for the same account and the same time period. This discrepancy in reporting is causing confusion and inaccuracies in my credit report
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-06
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: I.C. System, Inc. (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 
As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2023-08-06
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: STATE EMPLOYEES CREDIT UNION (GA)

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and late payments are still erroneously being posted on my credit report : STATE EMPLOYEES CREDIT UNION Account Number : XXXX The company is in clear violation of the law, Under 15 U.S. Code 6802b - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Under 15 USC 6802b, it is explicitly stated that financial institutions, including creditors like yourselves, are legally obligated to protect the privacy of consumer information. This includes but is not limited to, information such as account numbers, credit history, social security numbers, and transaction details. The law aims to ensure that the disclosure of such information is limited and controlled, in order to protect the rights and interests of consumers like myself.

As a responsible consumer, I am aware of my rights under this statute, and I wish to ensure that my personal information is handled with the utmost care and confidentiality.

I understand that some measures may already be in place, however, I believe it is essential to highlight the significance of compliance with 15 USC 6802b and the importance of providing consumers like me with peace of mind that our sensitive data is well protected and managed according to the specifications of the consumer.
Consumer complaint received 2023-07-25
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
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: Experian Information Solutions Inc. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : 19 Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


13. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX