davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).
Consumer complaint received 2022-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX XXXX  XX/XX/XXXX. I cancelled at XXXX XXXX. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for capitalone providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
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. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) 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 Delete the accounw below Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TN)

I am being reported late for XXXX and XXXX, when both payments were made on time. In fact XXXX statement has not come out yet and I am being reported late in XXXX. Payment was due XX/XX/XXXX and it was paid XX/XX/XXXX. Attached is statement and payment. I want lates removed from Credit reports asap as I was not late. They are always marking me late and not posting payments when they should be and reporting late in the wrong month. I can not be late for XXXX when the statement for XXXX ahs not come out yet.
Consumer complaint received 2022-11-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The complaint is in reference to my XXXXXXXX XXXX credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called XXXXXXXX XXXX earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.
Consumer complaint received 2022-10-15
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: Bread Financial Holdings, Inc. (WA)

Comenity Bank took over the XXXX XXXX card from XXXX  XXXX XXXX. There are now charges that read " XXXX XXXX XXXX  '' in my transactions. They sent an email that said that the the XXXX XXXX XXXX will be explained on the statement showing what vendor they came from. And that they were from PRIOR purchases made on the original card that the original card holder hadn't disclosed the vendors yet. 
Well, when I log into my account, it shows XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXXY XXXX OH {$25.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$66.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$20.00} Here 's the challenge. 1. ALL previous transactions transferred over and listed okay. 2. When I look at my corresponding transactions on the originall XXXX XXXX XXXX XXXXXXXX account there are NO matching transactions. Not only that the last transaction from the XXXX XXXX  XXXX XXXX was from XX/XX/XXXX. And Comenity went live on XX/XX/XXXX. So what are the charges from XX/XX/XXXX & XX/XX/XXXX? 

There only answer is that they are working on it? They have no discernable way to disclose the needed information that I need to discern if I made those purchases or not.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXX XXXX  concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 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 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Have tried since XXXX to call and write the servicer SLS Speicalized Loan Serving, for help and they just keep delaying and finallly said not able to grant the forbearance. They don't give a reason and since we have an FHA backed loan it is our understanding that they are required to grant a forbearance. We have tried for so long to comply with their requests but getting nowhere.
Consumer complaint received 2023-07-07
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)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act
Consumer complaint received 2023-07-08
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. (KS)

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information has been ignored and at this point I have been severely injured and I want to move forward with legal actions
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, XXXX Account 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
Consumer complaint received 2022-10-22
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. (GA)

This is my sixth 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 alleged fraud or extortion.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

Hello I am making a complaint against Chime bank. There were a few unauthorized transactions occurred on my account. On Saturday XX/XX/2022 at XXXX XXXX  a unauthorized transaction occurred that was {$210.00} from XXXX and another one at XXXX XXXX  for {$210.00}. At XXXX XXXX  I received an email saying my debit card was declined at XXXX for {$210.00} because I have disabled international transactions and still was charged. I was asleep during this time, I called Chime multiple times and they said it had to wait until it wasn't pending anymore and I waited. Once it settled I called back and filed a dispute on XX/XX/XXXX. They gave me provisional credit of only {$210.00} on XX/XX/2022. XX/XX/XXXX, they send me an email saying they concluded no error occurred and provisional credit will be reversed and the claim is closed. I called and talked to a manager of chime and they told me I could rebuttal and reopen the claim because on the transactions it says XXXX XXXX and I live in the United States. Thats a whole different country where the transaction was made. The lady told me to email them the proof I was in the US and I did and told me it would take a few days to review the claim again. An hour lady I receive an email stating no error has occurred and claim is closed. I called back and talked to a different manager and told them what had happened and how did they review it so fast when the lady told me it would take a few days. It's like they never reviewed it. She then tells me that I need to call the company and ask for the money back but I told her I never made the transactions so why would I need to call them? I asked them to call them and they refused. They sent me documents of why the claim was closed. It says were there any personal belongings stolen? and it says wallet. I never told them my wallet was stolen. It was still in my possession and my pin is not in my wallet as well. My pin is memorized in my head. I will attach all documents and hope you guys will be able to help me out! 
Theres still another claim going on with them that is pending but I called for that one sooner then this one and it happened the same day. 
One transaction is for {$110.00} by XXXX from XXXX XXXX and I live in the United States. Another one for {$210.00} from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX  and again I live in the United States. How did the one I filed after this get closed sooner? I couldn't file them together because the guy said the transactions had to settle first. 


You can email me back at XXXX or call at XXXX My name is XXXX XXXX
Consumer complaint received 2023-07-01
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)

on XX/XX/XXXX and XX/XX/XXXX Trans union is reporting inquiries from companies I never tried to receive credit from and I do not recognize. 
XX/XX/XXXX : XXXX? XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  I have contacted the companies and they have no records of me applying for credit nor do they have any accounts open in my name. They directed me to contact Transunion. I have called and wrote and they still haven't removed these fraudulent inquiries
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

delete dispute these inquiries and hard inquiries, i disputed them multiple times after showing up on my credit report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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 sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-10-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2017-05-03
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: EQUIFAX, INC. (FL)

my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.