davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.
Consumer complaint received 2023-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I pulled my credit report and i noticed some unauthorized inquiries on my credit report that i didnt authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX  || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) || Account number : XXXX
Consumer complaint received 2023-04-18
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)

THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (MI)

Hello, I received a notice from Oxygen XL attempting to collect an alleged debt on Friday XX/XX/2023. I have never done business with Oxygen XL, I have no knowledge of this alleged debt. I dispute the validity of this alleged debt. I have no contract with Oxygen XL, nor have I ever given permission or authorization for this company to house or share my personal/private information. Please remove my information from your system!
Consumer complaint received 2023-11-05
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. (NY)

In accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (CA)

I am filing another complaint with the CFPB against CHASE, my mortgage company, due to a concerning situation. Despite declining their so-called mortgage assistance program, which has proven unhelpful, my account now inexplicably shows that I am enrolled in this program. This misinformation has resulted in a series of alarming events, including the inability to make my mortgage payment due to an ongoing issue with the payment amount. 

The situation has been exacerbated by the fact that each time I call CHASE for assistance, I receive conflicting information and promises that are not fulfilled. With the end of the month approaching, I am increasingly worried that CHASEs mishandling of my account and the persistent inability to rectify the payment amount issue are deliberate attempts to push me into default, potentially resulting in the loss of my home. 

I urge the CFPB to intervene swiftly to address this distressing situation. Specifically, I request that CHASE immediately corrects my account status to reflect that I have declined their mortgage assistance program. Furthermore, I seek assurance that I will not face any adverse actions, such as foreclosure proceedings or negative credit reporting, due to CHASEs errors and mismanagement of my account. It is crucial that CHASE takes responsibility for their actions, provides a clear resolution to the payment amount issue, and ensures that no further harm is done to my financial well-being and housing security.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Consumer complaint received 2023-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

My complaint is with my previous lender ( Flagstar Bank ). How they were to able to XXXX up my loan before transferring it to the new lender they sold my loan to?? 
On ( XX/XX/XXXX ), my current lender ( XXXX XXXX ) sent me an Escrow Analysis Statement showing my Escrow Account Shortage $ XXXX, and with a payment increase from {$1600.00} to {$2700.00}, that {$1100.00} more!! 
On ( XX/XX/XXXX ), I called to speak to someone at XXXX for an explanation on my Escrow account, on why an extreme negative amount? The representative kept stating my property tax increase and catching up. It wasnt making sense to me? 
Second call to XXXX, the C.S. advice to call Flagstar bank and do a three way so she can assist on the call. The representative with Flagstar said they pay what they get billed and also said they do not pay supplemental property taxes for there customers, that, thats our responsibility. 
I ended up reaching out to my broker Ive used in the past and my realtor for assistance and advice. We figured out, my previous lender ( Flagstar Bank ), one month before transferring my loan off, only paid XXXX property tax bill, but incorrectly, they paid XXXX ( {$1900.00} ) amount and not XXXX ( {$3700.00} ). I also had a supplemental payment in XX/XX/XXXX ( {$3300.00} ) that they didnt pay and right before my XXXX property tax bill was due, they had passed on my loan to another company. In XX/XX/XXXX, Flagstar Bank sent me an Escrow Account Statement showing my escrow balance overage of {$7500.00} in a surplus and my payments to be decreased from {$19000.00} to {$1600.00}. They sent me a check for {$7500.00}. 
The new lender ( XXXX  ) continued to bill me with the new lower payment amount, since XX/XX/XXXX. Im not a first time home owner and have always included my impounds in my payments, but I have never had a mortgage company XXXX up my escrow to where now I owe back almost $ XXXX!! 
I now have a better understanding on when receiving secured property tax bill, what to look for and compare to what my current mortgage company is paying or not? 
XXXX  to catch up, paid my XXXX supplemental bill, XXXX XXXX property tax bill ( correct amt {$3700.00} ) and each month paying short of {$390.00} ( XXXX ) totals {$1900.00} ). Luckily I banked the overage surplus Flagstar claimed I had, and paid XXXX with that, so now only leaves my escrow on a - {$2000.00} and they are working with me to stretch out that in 24months. But not everyone can say they kept overage money. Scary to know if I didnt do what I did, I could eventually lose my home, as I cant afford to pay a monthly increase of {$1200.00} on my mortgage payment.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (MI)

I reached out to rocket mortgage at the end of XX/XX/XXXX due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/XXXX, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I sent XXXXXXXX XXXX a letter on XX/XX/2023 asking them to provide me a copy of the 1099-C that was issued by their company when they charged this alleged debt off with the IRS which is required by law for all debts over {$600.00}. They NEVER responded to me. They are violating my rights as a consumer under FCRA 15 USC 1681B ( a ) ( 2 ). XXXX XXXX did not have my permissible purpose nor written instruction to furnish this alleged debt on my consumer report nor did I give permissible purpose or written instruction to Equifax, XXXX, and XXXX to publish this alleged debt. These companies have violated my rights as a consumer.
Consumer complaint received 2023-08-13
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 was Recently reviewing my credit report and noticed multiple fraudulent accounts and inquiries. below are fraudulent inquires on my report XXXX XXXX  Below are fraudulent collections or charge offs on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
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: JPMORGAN CHASE & CO. (NY)

I got a call XX/XX/XXXX from chase notifying me that my card had fraudulent activity. While I was on the phone I was told someone was still trying to use my card at the same time I was starting a claim and reporting my card as lost. I realized that I must have left my card at a restaurant that I visited a couple days prior to the charges. 

My card was charged on XX/XX/18 {$400.00} from XXXX in XXXX XXXX And {$2.00} from a vending machine in XXXX XXXX Initially the charges were credited to my account and I thought it was over XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that I told the claims department that I had my card on me during the charges but I never told them that. I received another credit XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. 

XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. I do not know where they got the information that i had my card because I did not. 

I tried calling XXXX the customer service and also the store but they were not able to help me. They told me they could not retrieve transactions from the past. 

XX/XX/2018 I received another reversal charge of {$400.00} spoke to the claims departments once again and was told that they will reopen the claim and have someone contact me at this point I am livid because not once did they reverse the charge of {$2.00} that was apart of the same claim. I am ready to close this account because they are not even trying to investigate what happened back in XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- -TRANSUNION IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 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 2022-10-26
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX : {$6.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX, XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

I had my legal name change from XXXX XXXX XXXX to XXXX XXXX XXXX at the beginning of XX/XX/2023. I received a paper copy of my credit report from Experian with the name XXXX the first few days of XXXX. A few days later my credit score was gone. It didnt go down. Its gone. I tried contacting them and I either get hung up on by a rep or the phone tree. I have never had a call last longer than 5 minutes. They wont tell me anything going on. They also have no as retaliation reported that I dont live at my address even though I have lived here for almost a year now. I have provided every document they have requested and they still refuse to tell me anything. My bank has contacted them and they have told the bank that I have to contact them and that this is an issue with me but no one will tell me what the issue is and they claim its my bank. I just want my credit score back so I can get a credit card so I can get the surgery I have needed for months. I just want to be able to stay alive. That is it. I have no clue what is going on. I have been harassed by employees who have taken my phone number and called me to harass me while they are off the clock. I have been called slurs. I have tried filling complaints. I have asked for a supervisor to call me back daily for 7 months and have never once gotten a call back regarding any of the issues I have had for the last year. I dont know what to do. I will attach pictures of the report they sent me proving my name change and address and credit score before they messed my credit info up so bad I cant even make an account or request a report with another credit bureau as well as the screenshot of what it shows in my account currently
Consumer complaint received 2023-06-19
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: JPMORGAN CHASE & CO. (FL)

I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (RI)

CREDIT COLLECTION SERVIC Account XXXX Understand, this letter does not serve as a refusal to pay, but official notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCRA ), I have the full legal right to request validation of any debts I am claimed to owe.

I am formally asking for proof that I am in fact the party required to pay this debt. I am also requesting proof of a contract in place that binds me to this alleged debt.

I want to be clear that I am not requesting verification. I am formally requesting VALIDATION as outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Pursuant to this section of US Code, I have the full, legal right to request validation of any debts I am claimed to owe. I am requesting your agency send me acceptable proof of validation within 30 business days. An alleged contract is NOT acceptable proof of validation. 

In the event you can produce such documentation, I will require 30 business days to process said documentation. During this time, all collection activity MUST be paused and credit report remover inmediately. Please note that noncompliance of this request constitutes as a clear violation of the FDCPA. If such a violation should occur, my legal team has no problem pursing complaints with the FTC, CFPB and any other legal action necessary. 

Provide the following information : An agreement between your agency and the original creditor showing that you are authorized to collect this debt on their behalf. 
Original agreement between the alleged debtor and the original creditor showing where he/she agreed to payment terms.

Amount of commission paid to debt collector if debt collection is successful.

Name and address of original creditor.

Address on file for the alleged debtor.

Send copies of all documentation requested in the above section within 30 business days and allow 30 business days for processing. Again, this is a formal request for validation made pursuant to the Fair Debt Collection Practices Act. Any non-compliance of this request will be met with legal action. 

XXXX XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest