davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

I received a payment from a friend for {$100.00} in XXXX on cash app when I cashed out I realized it was to a closed account. When reaching out to Cash App Customer Service was told nothing they could do & I needed to reach out to the bank. I reached out to the bank who made me aware that due to the account being closed the money was being sent back to cash app, I should see it back in my account within a few days. 7 weeks later money still isnt in my cash app account Ive reached out 4 times to Cash App after working with bank. 

First Attempt I was given a case # and told someone from investigating team would be reaching out Second Attempt was about a week after 1st attempt was told no update at this time would reach out to me when they had one Third Attempt was about 2 weeks after 2nd attempt I was told no update but my case had been prioritized they would be reaching out soon Fourth Attempt was 4 week after 3rd attempt I was told that my claim had been denied and they do not reopen denied cases so I asked what happen to the money when the bank sent It back their response was I have no new info to provide Customer server has been little to no help and now its starting to feel like Im not going to see that money
Consumer complaint received 2023-10-03
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. (LA)

To whomever this may concern, Im beyond frustrated with Transunion. 
I received a copy of my credit report and Id like to make the following adjustments to my credit profile to update it MY NAME is : XXXX XXXX PLEASE REMOVE : XXXX XXXX FROM MY FILE. THAT IS NOT MY NAME AND NEVER HAS BEEN MY NAME EVER. 

MY CURRENT ADDRESS AND ONLY ADDRESS IS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX requested for these closed accounts to be removed from my credit report as they are Aurthorized User lines. That I dont want on my file Remove the following lines listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following inquires from my credit report as they are unrecognizable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IVE ATTACHED AN FTC REPORT AND MY XXXX AND ID FOR IDENTIFICATION PURPOSES. THANK YOU IN ADVANCE.
Consumer complaint received 2023-10-03
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. (SC)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Our original mortgage was secured via XXXX XXXX, which took correspondence from the, President Obama, and the US Treasury Department to finally secure a 'reasonable interest rate ''. After that all went well until XXXX XXXX transferred service of our mortgage to SPS, ( Select Portfollio Servicing ), when things went astray. They operate like a 'collection agenacy ' bordering on harasssment with seemingly no cohesiveness with their records. The most recent example... ..we were first notified due to an increase in escrow our monthly payment increased. We were notified by letter of the changes and increases, along with an explanation on how to have it lowered by paying the increase in escrow. This began in XX/XX/2023, so we sent in the XXXX mortgage payment, along with money to be applied to the escrow increase. During this time we also made changes in our home insurance coverage that lowered the premium, all of which should have allowed the lower mortgage payment to be reinstituted. That's when the trouble began, first receiving calls that our XXXX payment was overdue, which, of course it wasn't, and SPS stating our monthly payment was still the same. After multiple conversations with SPS agents and Supervisors, they 'apologized ' and stated they would make necessary adjustments, however, we continue to receive calls still claiming our XXXX payment is still 'overdue ', relentlessely, which is very frustrating and causing undue stress and concern with my wife. SPS is not worthy of handling mortgages if they are not able to communicate and document properly.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's XXXX XXXXXXXX XXXX or experian are correctly investigating these charge off 's and collections, i pay % 28 apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live depressed i coulda had a house if these bureaus did due diligence
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Annual fee posted on XX/XX/XXXX. Called to cancel card on XX/XX/XXXX to avoid annual fee. Statement dated XXXX still showed the annual fee due as well as having a late fee and interest charged on the fee. Called on XX/XX/XXXX and was told a case was created to correct their error. The fee still showed on my account as of XXXX so called again. I was told they would fix it and a supervisor would call me the next day to confirm. No one called me. The next statement posted on XX/XX/XXXX and the annual fee is still on my closed account as well as the old late fee and a new late fee. They are also charging interest on all of these fees. Called again on XX/XX/XXXX and was told it would be corrected by my next statement date of XXXX. Told the rep this was not acceptable and it needs to be fixed immediately. Asked for a supervisor was told I could not speak to one.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure. 

Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX. 

I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing? 
2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am trying on getting rid of this REMAINING FRAUDULENT INQUIRY from my Experian Credit Report, as this was my only issue that I still found lingering and harming my credit record so I am requesting the Experian XXXX to please REMOVE this inquiry within 15 days, I am positively expecting that this FRAUDULENT INQUIRY will be removed when the time comes that I will be updating my credit reports again : EXPERIAN : XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-10-03
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)

When I reviewed my credit report, I discovered that some of the information was 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 account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX BANK XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$600.00}
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I XXXX of XXXX XXXX was billed a statement stating that I owed {$15000.00} to Chase Business Ink Credit Card. 
I am stating this as a billing error. My account is showing a positive non-negative balance which leaves me questioning how I am indeed in debt to Chase Business Ink. 
Pursuant to 15 U.S.C. 1666 ( i and ii ) you must provide proof of my indebtedness. Payment ledgers are not an acceptance of debt or proof of indebtedness per 15 U.S. Code 1692g - Validation of debts. Pursuant to 18 U.S.C. 8 the United States is the obligor of all forms of payment. 
I see that JPMChase has reported the account as Closed/Charged off to the credit bureaus which prompts me, the consumer, to request my 1099-c. Under consumer law a 1099-c is federally required to be provided to the consumer. Pursuant 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities, not providing consumer with 1099-c is a violation punishable under federal law.
Consumer complaint received 2023-10-03
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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 2023-10-03
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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 2023-04-20
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: EQUIFAX, INC. (NY)

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of Education/XXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
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. (VA)

I found inaccurate public information on my credit profile. I disputed with Transunion, XXXX, XXXX and XXXX XXXX. All of them removed the information for violation of FCRA. Only Transunion refused to do so. I will attached all the document below.I also sent FTC report to TransUnion which TransUnion refused to investigate. 
TransUnion deliberately refused to do any investigation and repeatedly send me letter of verification. When I demand the proof they refused and outright ignored me on multiple occasion.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have accounts on my credit report that do not belong to me. I made a FTC report to the credit bureaus. I report the accounts to the bureaus to remove the accounts for my credit report. They didn't remove them. 

inaccurate accounts XXXX XXXX XXXX  XXXX {$4700.00} XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX 2016
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I received a welcome call about two weeks ago from Regions Finance about a loan recently opened, this alerted me to my identity being stolen. I went through XXXX to confirm my DL was found on a dark web search. I learn from Regions that they mail whats called a live check which is the same thing as opening a loan. This alleged check was then cashed in the amount of about ~ {$1800.00}. Regions said the account was opened using my DL number and a signature. Regions also read the signature to me on the phone and it clearly was not my signature. So I asked them to freeze and cancel or do what they can because I do not have any business with them, I have all my regular accounts through XXXX, car loan through XXXX  XXXX, and a small personal loan through upstart. Regions refused any action, kept threatening my credit score, and wont take any action unless directed to by law enforcement. They continue to call, wanting me to fill out an involved packet that requires police report, notarized documents and affidavits, absolving them of responsibility. To recap, Regions Finance used my information to mail an unrequested/unwanted check and then used a stolen drivers license number and a forged signature to cash it. Its worth noting that this happened whilst my credit profile is on lockdown. XXXX. There should be no offers even generated. This is gross negligence on the part of Regions Finance.
Consumer complaint received 2023-10-03
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.