davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (MS)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-06-25
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: EQUIFAX, INC. (NJ)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (OH)

I received a letter for ONLINE Information Services stating I had a debt from XXXX XXXX. When calling XXXX I had no balance and had been paid XX/XX/2022. This company is a scam with all my personal information calling my phone and sending letters to my home address with a false debt. XXXX also informed me this is not who they use for debt collection and upon reading online is a huge scam company that needs shut down ASAP.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (GA)

I filed a prior complaint with the CFPB on this issue. I was unable to cancel a credit monitoring service offered by Chase Bank. Chase did respond to my previous complaint and i received an email saying the credit monitoring service was canceled. 
I have received 3 credit monitoring alerts after it was supposedly canceled. 
So it still hasnt been canceled. 

I just want Chase to stop monitoring me!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: United National Services (FL)

Account under XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Currently I'm having problems with premier credit card. For long period of time I've been trying to lower down my internet with this company. So I can pay them off finally. I noticed most of my payments is just basically going to interest and bailing nothing is going to principal. I tried to negotiate a monthly payment that I could afford that will allow me to pay off this credit card faster. However I'm denied each time. I currently hold two credit cards with this company.. which I would like to merge into. And just make one payment and pay them off. 

I try to see many ways with this credit card company, to work more out with a payment plan and lower it down the rates in order for me to pay this off. Only this company will not work with me. However, they keep increasing the minimum monthly payments that is causing me problems to keep up. Knowing I can not really afford that. Which is causing me financial problems in the long run. I need this credit card company to work with me on both of my credit cards with them. 

With the interest rates being so completely high it's making it impossible for me to keep up.. it's causing me problems financially..
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (AZ)

On XX/XX/XXXX, I set up a payment thru bank and statebridge for XXXX. On XX/XX/XXXX I called my bank to see what happened they said they never got anything from statbridge regarding this payment. So ok XX/XX/XXXX later in the day I did a three way call with my bank XXXX XXXX  and statebridge there was no answer as to what happened so we set up another payment for XX/XX/XXXX for the amount of XXXX. Around XX/XX/XXXX I called bank again and the payment was never token out cause it wasn't submitted from statebridge. On XX/XX/XXXX truck broke down I had to get it fixed, so I didn't have all the money till XX/XX/XXXX. I looked into doing a XXXX XXXX  but it was gon na cost me about XXXX is what they told me at the convente store, i said noway i cant afford that. Since this has happened I've change to XXXX, so I think this is fixed. On XX/XX/XXXX set up a payment for that same day I didn't realize my auto insurance came out that day I screwed that up. 
After all of these different times/dates I've been transfered to a XXXX XXXX in legislations I've left him at least 3 different messages I've also been told he would call me the next day by other customer service reps. He has not returned any of my calls. I know this is ultimately my fault nobody else 's, I just need some assistance. With getting in touch with this guy and coming to an agreement without me loosing my home. Right now I have XXXX.
Consumer complaint received 2022-04-19
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX  Account # : XXXX Creditor : XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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)

I HAVE DISPUTED OVER AND OVER FOR 5 YEARS NOW ACCOUNTS THAT ARE FRAUD. NOW I HAVE INQUIRIES THAT KEEP POPPING UP I HAVE SUPPLIED POLICE REPORTS FTC REPORTS AND TRANSUNION KEEPS COMING BACK SAYING THEIR MINE. I DONT THEY ARE EVEN LOOKING AT THE REPORTS SENT TO THEM. BUT THIS IS DAMAGING MY CREDIT WITH TRANSUNION. HOW DO I GET THIS STUFF REMOVED I HAVE EVERYTHING TO PROVE IT IS NOT MINE. I NEED HELP. 

TRANSUNION XXXX XXXX THEY NEED TO READ THE FTC REPORT CAREFULLY AND SEE THE ADDITIONAL INQUIRIES AS WELL AS THE ACCT NUMBERS TO EACH ACCOUNT THAT IS FRAUD,
Consumer complaint received 2023-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (MA)

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost 15 years. He pays XXXX monthly when he is still alive and when he made an accident and no longer working he made it XXXX monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. 

On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab 1 loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXXXXXX XXXX '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a 2 pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I XXXX XXXX XXXXXXXX I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXXXXXX XXXX? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXXXXXX XXXX is already big amount for me. And I really XXXX XXXX XXXXXXXX, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! 

Respectfully yours, XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CAPITAL ONE Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Charge-off Balance : {$460.00} Balance Update : XX/XX/XXXX Credit Limit : $ 300 Monthly Payment : - Past Due Amount : {$460.00} Responsibility : Individual Account I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " XXXX '' and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind XXXX of the stipulations within the FCRA, notably : XXXX XXXX XXXX Section XXXX A : This section highlights my right to privacy and the necessity of accurate credit reporting. 
XXXX XXXX XXXX Section XXXX A Section XXXX : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
XXXX XXXX XXXX : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that XXXX will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

We have attempted 8 times to resolve a payment issue with Flagstar Bank. The problem is the bank keeps taking funds out of a XXXX bank account that is not supposed to be used for payments. We switched to a XXXX bank account for our automatic monthly payment, but Flagstar continues to use XXXX bank, causing overdraft fees, etc. We have a newborn baby and do not have the time to speak with Flagstar Bank over and over again, each time they promise the issue is fixed, each time the problem remains. We have spoke with management and the customer service representatives have been documenting all of this.