davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hunt & Henriques (CA)

Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming civil suit. These court documents had a broad list of what I was being sued for. It stated XXXXXXXX XXXX XXXX  Prior to this I had paid off 3 XXXXXXXX XXXX  debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a XXXX  amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The XXXX  have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was XXXX XXXX XXXX XXXX I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling XXXX XXXX  and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my local county clerk recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : Hunt & Henriques XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-01-09
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. (PA)

hello good evening this complaint is about unknown inquires on my credit report that are damaging my score. the following inquires are unknown to me and are reporting to my transunion report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have attached copies of my transunion report with the unknown inquires.
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of XXXX calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at XXXX XXXX XXXX who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of Comenity bank. I advised her that I had no idea who XXXX or XXXX XXXX was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately TransUnion XXXX 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 2023-06-21
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. (LA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AmeriHome Mortgage Company, LLC (KY)

Dear Ameri Home Mortgage, L.L.C. 
I trust this message finds you well. I appreciate your swift response and the breakdown of the mortgage payment details. Upon meticulous review, I wish to highlight certain inconsistencies : Principal Amount : The listed principal amount for XX/XX/XXXX to XX/XX/XXXX is {$1000.00}, which doesn't align with the mentioned {$1300.00}. 


XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} Total : {$1000.00} ( not matching {$1300.00} ) 2.Total Principal Calculation : XX/XX/XXXX, to XX/XX/XXXX : {$3100.00} ( not matching {$3100.00} ) Escrow Amount : Total Escrow Paid : XX/XX/XXXX, to XX/XX/XXXX : {$440.00} ( for each month ) Total Escrow Paid = {$5200.00} ( not matching {$6100.00} ) Interest Calculation : Total Interest : XX/XX/XXXX, to XX/XX/XXXX : XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Total Interest = {$14000.00} ( not matching {$15000.00} ) Total Payment Calculation : Total Payments Received : {$24000.00} Sum of Principal, Interest, and Escrow = {$22000.00} ( not matching {$24000.00} ) While the total payments received are {$24000.00}, the sum of principal, interest, and escrow is {$22000.00}, not matching the total payment. 
Differences : Differences in calculations : {$1800.00} ( XXXX ) + ( XXXX ) + ( XXXX ) Additional Escrow Payment : 3.A supplementary {$1500.00} was made towards the escrow account, which doesn't seem to be included in the payment breakdown.

I would appreciate your assistance in clarifying these discrepancies to ensure accurate records and a clear understanding of the payment structure.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I had my phone and wallet stolen/ lost which contained my Chase Debit Card alongside, XXXX XXXX credit cards. Immediately, as I realized my card had been lost I cancelled it, but there was a {$150.00} charge from XXXX XXXX by someone that had used my card. I cancelled my Chase debit card the very same day, and the next morning filed a police report as well. I contacted Chase for a claim on my card as a purchase of {$150.00} at XXXX XXXX had not been done by me. I uploaded the Police Report as well for my supporting claim. They initially, accepted my claim and reversed me {$150.00}. About a month from then, on XX/XX/XXXX, I noticed that they had cancelled my claim and charged my account for the {$150.00}. When I called Chase and inquired about this, they said my claim had been cancelled and as I did not provide evidence with a time-stamp and police reports are not accepted by CHASE. I was appalled as initially the Chase specialist said nothing of the sort and accepted the police report only for CHASE to tell me a month later they do not accept it as evidence. They asked me to provide evidence of time-stamp iterating I was not present at they XXXX 's where the fraudulent transaction took place like a doctor 's note or CCTV footage of me being present somewhere that was not where the transaction took place. A month later, they tell me the evidence I have provided is not enough especially when the specialist initially accepted the police report and said nothing of the sort that I had to provide more evidence. Furthermore, they claimed that since I had only disputed one transaction for that day they were skeptical. Of course, I would only dispute the transaction that was fradulent and the rest of the transactions when I had my physical card present with me were transactions I approved of. Nothing, from my spending habits would say I spent {$150.00} at XXXX in an era where I am financially struggling. As, soon as I found out my card had been stolen/lost I reported it to CHASE and cancelled it. I could not file a claim the same day, as I needed the debit card information to even log in to the telephone portal which was no longer present with me, so they are holding it against me that I filed a claim a few days later when my new debit card was present with me and I could login when it is their own automated system that does not allow to speak with a agent or file a claim until you have debit card login credentials. The worst was now its entirely impossible to find CCTV footage or timestamps for an event that happened a month earlier and the CHASE specialist should have told me there and then that they do not accept police reports and that different kind of evidence was necessary especially when they reversed me {$150.00} based on the police report.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

through my bill pay account I have XXXX TD Bank credit cards XXXX is XXXX, and the other is XXXX. 
XXXX different account numbers, I instructed to Pay the XXXX account they applied it to my XXXX account different account numbers. 
I call and asked to have it applied to the other account the request was denied and the bank agent was rude. 
I asked to reverse and send put the money back in my account so I could pay the right ac count. 
they will not do it
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MO)

This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

SEE PROOF HAVE SENT SO MANY TIMES AND EXPLAINED ALREADY APPROVED FOR XXXX XXXX XXXX AND STILL SALE!?!?!?!?!? PER XXXX  XXXX CAN NOT SELL HOUSE WHILE UNDER REVIEW!!!!!!!!!!! WILL HAVE TO FILE PAPERWORK ON WEDNESDAY! NEED ONBUSMAN DEPARTMENT NOW! HAVE SENT SO MUCH PAPERWORK CORRECTED THEN CORRECTED NEED A NEW LOSS MITIGATION NEGOCIATOR AND SUPERVISOR! NEED ONBUDSMAN DEPARTMENT NOW!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-04-14
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: LEXISNEXIS (FL)

I am writing to formally dispute an inaccurate bankruptcy entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. Please send within XXXX business days to my email : XXXX XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on Experian but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant and should be deleted immediately.
Consumer complaint received 2023-05-16
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. (NC)

I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, XXXX, and TransUnion ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.
Consumer complaint received 2023-02-15
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)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

Upon noticing a collection account on my credit report, I sent a request for validation on XX/XX/24 to the collection agency listed in my report. I stated that the request was required to be replied to within 30 days of receipt and no response has been provided by the company as of yet. I confirmed that the company received the request on XX/XX/24. I have copies of the time stamp provided by the courier service from the company representative that accepted the validation request. In the validation letter it states that if the company does not respond within the 30 days of receipt of the validation with the required validation information, then all references to the account must be deleted and completely removed from my credit report and a copy of the deletion request/completion be provided to me also. However, as stated above no response from the company has been received even after confirming the company has been in receipt of the validation request now beyond the XXXX allotment. Additionally, there has not been any correspondence from any of the credit reporting agencies about any updates from the company or modifying the collection inquiry. I have reason to believe that the company has placed the account is question on my credit report from fraudulent accounts from an identity theft investigation. I require the validation information to then seek verification about the account under investigation to ensure that this debt belongs to me because proof has not been provided.