davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, and so on.
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I first refinanced my loan in XX/XX/XXXX with XXXX Mortgage. First I am the creditor. All funds are from XXXX account. I presented to you in a file the loan inception MERS has had my loan as inactive. From that point my loan has been sold and passed to several mortgage companies without my consent and without a contract and sometimes without notice. 
in XXXX I requested New Rez by sending paperwork and a notice terminate my loan to the CFO. I got no response or rebuttal. I recently sent the papers as usual no response. I have no contact. My loan is being assigned from lender to lender without a contract. No contract no means they can not sell my loan at will. I am the original creditor. New Rez, Shellpoint, XXXX, XXXX and XXXX  XXXX XXXX have no authority to sell my loan on the open market. 
This is alleged conspiracy to commit mortgaged crimes has been and is being carried out for more than 10 years. Neither has a right to do sell between either as I am the creditor. Neither has any paperwork for my mortgage. The sad thing is New Rez is preparing to sell it again between their newly formed company, formed by Shellpoint. This is fraud. I have filed with the IRS to cancel the loan. If I can not get remedy I will file with the Inspector General to see that this matter is stopped. 
Furthermore I continue to keep a fraudulent loan current under the threat of foreclosure. I have suffered and been injured by these mortgage companies through phone threats, I have had hardships with my family and filed bankruptcy because of this coercion put on me and my family. During which I have lost two son 's and the pressure of the loan has been injurious to my family. No response from them only pay or lose you home. My home is paid for from the time of inception. My credit report had suffered also. No contract no loan. You have my legal paperwork. I command all the money for the loan back and my monthly payment for more than 10 years back and the loan closed. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, MS XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2024-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was notified that there was a hard check on my credit, I did not authorize this action. I contacted Capital One and stopped the credit card application. This occurred on XX/XX/24.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (KY)

Hired construction company Vendor for service in XX/XX/2023, I paid the vendor in full as per contract using my US Bank VISA Credit Card. The company did not complete the work as contracted by date of completion XX/XX/2023. I contacted US Bank credit card and worked with their fraud Card fraud team for return of the funds. I provided all requested documents as requested by US bank to complete my claim against the vendor. US Bank confirmed documents as received and provided me with a Provisional Credit for funds I paid the vendor, pending a 90 day review. The process has moved into a second 90 day review. As per my credit card purchase protection I should receive reimbursement of the provisional funds to be released to my card as a XXXX fraud liability event.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Someone opened a credit card account in my name under XXXX XXXX and it brought my XXXX XXXX down XXXX points. Keep in mind Ive never had a capital XXXX account.. opened at least. And now Im getting a weird email in my email as well. The pictures below will display the weird email, and the credit score drop as well.
Consumer complaint received 2023-09-10
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: EQUIFAX, INC. (GA)

Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me. 

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 at around XXXX XXXX I checked my email and I had a mail from Wells Fargo stating that a wire transfer is being transferred for the amount of {$24000.00} me and my wife called that second to bank and told them that that was not us making that transfer so bank canceled all of our acc and froze the wire transfer is what they said to go to bank next morning to reopen a new account so I did they told me they were under staff to come back tomorrow so I did go to the XXXX Wells Fargo bank in XXXX ca so they sat me down and explained what happen to banker he explained to me not to worry we went ahead and reopened a new account and when I saw that the XXXX  was missing I told him he called head quarters and looked into it that they will call me they will investigate after two weeks they kept me waiting more after a month they send a letter stating that after their investigation they came with conclusions that it was my fault that the people got all my info this is wrong they even told me the person that took that money from Florida I have nobody in Florida I explained that to them they said they was sorry now a lawyer wants XXXX  to take my case till a friend send me ur website here hope to XXXX u can help and deal with this bad banks thank you and XXXX bless u
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from Sunrise credit services XXXX XXXX XXXX XXXX of Credit Reporting Agency ], on [ Date of Report ], and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Name : [ XXXX XXXX ] Date of Birth : [ XXXX ] Social Security Number : [ XXXX ] Account Number ( s ) Affected : [ i dont see an account number for this report. ] Total Amount in Dispute : [ {$530.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future. 

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently. 

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above. 

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute. 

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MN)

I received a fake email saying I opened a credit card from chase bank. I didnt realize it was fake and called the number on the email. I gave them all of my information foolishly. I immediately felt something was wrong so I called chase directly from their website. I explained everything and they said they would cancel the credit card and report it to the credit bureau involved as fraud. I asked chase for information on who did it or what information they had. They wouldnt tell me any details. I have the fake email and phone number of the people posing as the bank. I have the XXXX credit protection and lock but somehow they didnt detect this and gave my report to chase even though my report is locked. So buyer beware, your credit is never truly safe.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

My total checking account ending in XXXX was closed by chase bank on XX/XX/2023. 

I received a notice in the mail, telling me that I would receive any funds remaining in the account after XXXX business days of closure. Its been months and I still havent heard back from Chase. Ive contacted their escalations department and all they told me was that I have to wait and that they have no timeline on when I would receive my money. 

I had a little over XXXX in that account and that is a significant amount of money for me and my family. I dont know what to do.