davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MS)

From day XXXX since I was terminated from my job of 4 years, I then telephoned Shellpoint and asked them for options where I can save my home in the mist of me loosing my job. I was able to be put on a deferment and a forbearance. I was clockwise with the calls and filling out the paperwork for me to still be in the clear until I was able to obtain full-time employment. I have paperwork still where I made arrangements with them so I could avoid loosing my home. When I tried to send in partical payments I was told that they needed to be the entire payments. Still I was very consistent to letting them know that I was deeply impacted by the Covid- XXXX and that my income was limited to none. This mortgage company then slid my mortgage into default and my house is up for foreclosure which was not right.
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$35000.00}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$35000.00}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, XXXX XXXX XXXX, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity. 
Harassment : XXXX XXXX Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report. 
Corrective Action : XXXX XXXX XXXX must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with XXXX XXXX XXXX. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation
Consumer complaint received 2023-02-21
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. (PA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So here I am to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {XXXX ; DEPT OF XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {XXXX ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX  ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX ; DEPT OF EDUCATION/NELN XXXX Date opened : XX/XX/XXXX Balance : {XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Lou Spivack, P.C. (NV)

he threatened that a court date had already been set for my case for XX/XX/XXXX on first contact which was on XX/XX/XXXX. Stated i needed to know exact date as I had a new insurance provider at a certain time during this. Asked him to not contact me during work hours and he replied with oh good your working hinting at wage garnishment. He stated i dont understand the laws for fair debit collection.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent out letter to XXXX XXXX Transunion about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show XXXX XXXX Transunion any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (MD)

To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation onXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

Original Complaint No. XXXX My initial complaint was that Ally Bank refused to remove access to XXXX and XXXX XXXX XXXX XXXX online accounts. This is not true, and the issue remains unresolved. 

I received the attached response stating that as of XX/XX/2023, my XXXX privileges have been permanently revoked and I no longer have access to XXXX and XXXX XXXX through Ally Bank. I still have full access and use of the services through my Ally Bank account. 

I am again, directing Ally Bank to permanently remove access to the services through my accounts. 

The response falsely states that I enrolled in these services. I have never enrolled in, or activated XXXX or XXXX XXXX through Ally Bank, directly with XXXX, or through any other third party. I have not agreed to the terms concerning such, detailed in the Ally Bank Online Banking Services Agreement, Version 27.0, effective XX/XX/XXXX which only applies WHEN YOU ENROLL in one of these services. 

XXXX to the services was automatically added to my accounts without my enrollment, knowledge or consent. Clicking on XXXX or XXXX XXXX to see if it can be used through my account does not constitute enrolling in the service. 

Allys response concedes that I was able to access & use XXXX on several occasions subsequent to their claim that access had been permanently removed.
Consumer complaint received 2023-03-02
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. (FL)

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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 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
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (CA)

On XX/XX/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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had my loan in forbearance for the first pandemic. The pandemic forbearance ended and the company has been giving me a hard time about coming up with a solution for the end of the forbearance. I am a XXXX vet with XXXX. They had me fill out some online form which was incorrect but the man submitted it anyway without giving me the opportunity to fix it and now I can not get anyone to return phone calls.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, XXXX, and Equifax. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, XXXX, and Equifax ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number from XXXX Equifax XXXX Equifax XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Consumer complaint received 2020-01-03
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. (NY)

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2017-11-25
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: WELLS FARGO & COMPANY (TX)

On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-07-21
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. (PA)

this is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.
Consumer complaint received 2023-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " Capitol One '' " XXXX XXXX XXXX '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures