davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

We were in forbearance during the XXXX pandemic from XX/XX/XXXX to XX/XX/XXXX for our primary home. We lost our jobs after XXXX of us became sick. Our rental property had to go into forbearance because the renters had the same problem. The renters left without notice and left us trying to pay the mortgage. We had to sell our property under value because that mortgage company was trying to foreclose on that house. We voluntarily stopped the forbearance and agreed to go on a modification plan to put the owed amount on the back of the loan and make regular payments. We paid the three months trial to show that we could make payments. From XX/XX/XXXX up to XX/XX/XXXX for our primary residence, but for our rental property they stopped accepting our payments and just told us they are just going to proceed and expedite with foreclosure even though we were making the payments. We have been making our payments on time waiting for the company to send the modification packages to establish a firm payment history. Instead, the mortgage company kept sending expired forms to fill out and notarize and several of their reps said not to fill them out because they were expired. The mortgage company then changed the verbally agreed modification that would not benefit us and was supposed to send corrected forms. Instead, they put it on our credit report that we were late on our payments and not making payments at all. when they said they would not, and now they are trying to foreclose on our home after they ruined our credit it is so low we can not do a refinance anywhere and missed the deadline for the government modification plans. Our score went from XXXX to XXXX because of their report to the credit bureaus. We believe that they put the payments that we are making to the forbearance owed money and that is why they keep saying we are late when we are not. We have sent a complaint to the credit bureaus and to the mortgage companies to fix their mistake. For the primary, we are in back pay for {$28000.00}, and for the rental XXXX. We are XXXX veterans and can not afford to pay these in full, that is why we wanted to do the modifications. We have sent documents to both companies for review and they still claim it is still under review but at the same time are trying to process foreclosure paperwork. To reiterate, we did not miss payments other than during the forbearance, otherwise, our payments have been on time.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Everytime i try and lift a temporary security freeze, they make me call in. I call in and nobody answers. I then have to send in my personal identity documents. This has happened several times. Why is it they make it as difficult as possible? I believe they are doing this intentionally so that they will get people to subscribe to their paid XXXX XXXX XXXX. I dont have this issue with XXXX or XXXX. Just Equifax. Always Equifax is problematic.
Consumer complaint received 2023-05-11
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. (FL)

I have filed an identity theft report with the FTC and have disputed this account with the credit bureaus to no avail. The following account does not belong to me, maybe they are confusing my name with somebody else. Please alert the credit bureaus to remove this from my credit : XXXX XXXX XXXX {$25.00} opened XX/XX/2012
Consumer complaint received 2020-07-29
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (MI)

XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted immediately.
Consumer complaint received 2023-06-13
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: CITIBANK, N.A. (CA)

Granddaughter ( XXXX ) used her CR.CRD. w/XXXX - reached her limit. Then .... 
XXXX accepted more purchases and charged MY credit acct. totaling over $ XXXX. 
My disputes with Citibank/Costco have been denied. ( We share address ).
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (IL)

This debt has been paid in full. Additionally, this collection company continues to contact me via my home and cell phone numbers at all times of day. I have also been called at work. This collection company calls several times a week with an automated message. I have contacted them, yet they refuse to stop calling. I have been threatened and spoken to0 rudely by these people when I try to explain. The recording states that they have been trying to reach someone but provides an incoherent name to contact. This company 's collection practices are criminal and has cause me and my family a great deal of stress and XXXX. My employer has spoken to me about this, and this is extremely embarrassing. My next course of action is to have my attorney 's ( XXXX and XXXX ) to intervene.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I am writing to address discrepancies found in my recent credit report, which I received on XX/XX/XXXX. Upon review, I have identified violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing the following sections : 1. 15 U.S.C. 1681 Section 602, regarding the right to privacy.

2. 15 U.S.C. 1681 Section 604a Section 2, which prohibits furnishing account information without written instructions.

3. 15 U.S.C. 1666b, pertaining to the treatment of credit card payments under an open-end consumer credit plan. 

The creditor in question is XXXX XXXX XXXX, with the following account numbers and reported late payments : 1. Account Number XXXX : Late payments reported for XXXX and XXXX. 
XXXX. Account Number XXXX : Late payment reported in XX/XX/XXXX. 
XXXX. Account Number XXXX : Late payment reported in XX/XX/XXXX. 

I want to emphasize that I never provided written instructions to either Experian or the aforementioned creditors to furnish information on my credit report, as mandated by 15 U.S.C. 1681B. 

These inaccuracies have caused me significant stress and XXXX due to unfair practices. The accounts listed above were never late and should be accurately reflected as " Pays '' or " Paid as Agreed. '' Per the FCRA, I demand that these items be promptly investigated and removed from my credit report. I also request that you provide concrete evidence and documentation proving any alleged late payments. I expect this investigation to be completed within the 30-day timeframe prescribed by 15 U.S.C. section 1681i.

Please provide me with an updated copy of my credit report reflecting the requested changes once the investigation is concluded. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-02
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-01-02
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. (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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (MA)

On XX/XX/2019, using the site XXXX, I sold a verified user bitcoins in the amount of {$4000.00}. Said user paid the required amount via Google Pay, and the bitcoins were released from escrow to them via XXXX. I withdrew the funds to my bank account immediately. 

Over 3 months go by, and I am informed by Google Pay that the payment had been cancelled and the money returned to said user. I immediately contacted Google to inform them I had proof that the transaction was legitimate and that the user had in fact received the intended purchased product ( bitcoins via XXXX in the amount of {$4000.00} ). I told them I had proof that the user was committing fraud.

Google Pay essentially informed me there was nothing they could do and to contact the user directly or seek a legal solution. They transferred {$4000.00} back to that users account, making my Google Pay balance - {$4000.00} and asked me to settle up.

I told them I would not cooperate with criminals and had no intention of aiding and abetting a fraudster.
Consumer complaint received 2023-01-02
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-02
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX 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 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-05
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I sent money to the wrong bank details i have made a monet transfer from my wise account to a recepeint wise account but i made a mistake the account number should be 10 digits but me i forget one digit in the end. 
my membership number is : XXXX
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (TX)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-08
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. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX XXXX  Filed XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.
Consumer complaint received 2022-10-27
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXXXXX Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX CO XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX CO XXXX account # XXXX, XXXX CO XXXX account XXXX XXXX XXXXas 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 2023-10-16
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. (VA)

In XXXX, I was traveling in XXXX for a vacation and used my Chase XXXX XXXX credit card. On XX/XX/XXXX, I reported an unrecognized transaction dating from XX/XX/XXXX from XXXX XXXX for {$130.00}. 

Chase denied my claim on XX/XX/XXXX. I reported again that I did not recognize the transaction. Chase denied my claim on XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX in their fraud department. XXXX said the transaction was for car parts. I do not own a car, so why would I buy car parts? I asked the Chase representative for an itemized receipt. The Chase representative refused to provide an itemized receipt, and they ended the call. 

{$130.00} is a significant amount of money to me as an everyday American customer. If it was valid, I would recognize the charge.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-05-17
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. (DE)

In accordance with the Fair Credit Reporting XXXX XXXX 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 an account without my written instructions.