davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX bank card account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information.

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or company is obstructing the applicant from lawful use or access to credit and/or ( funds, remedy, recourse, or refund. ( if applicable. ) ) TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-12-20
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. (AL)

Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on file
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nudelman, Klemm & Golub, P.C. (NY)

An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MS)

I was made aware by looking at my credit reports, and Chase Bank that a couple of account XXXX and XXXX was charge off. But I never received a XXXX as a result from Chase. They saying the accounts are charged off though.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to XXXX XXXX & Capital One its United States affiliates ( collectively, XXXX XXXX Capital One we, us XXXX our ) I consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using XXXX or Capital One services or websites. 
I recently reviewed a copy of my consumer disclosure and noticed XXXX or Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing information that is to be excluded from a consumer report. 
A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and person making the report. 
XXXX or Capital One is not authorized to collect, use, and share information about financial accounts such as outstanding balances, late payments, loan history and any other highly restricted financial and personal information under the Gramm-Leach Bliley Act ( GLBA )
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance With The Fair Credit Reporting Act XXXX  XXXX XXXX A 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 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

In XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX. for the amount {$410000.00}. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX, there was a assignment of mortgage filed with XXXX County Clerks office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX  XXXX. A New York XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/XXXX XXXX XXXX XXXX XXXX stated a foreclosure action against me for the amount of {$450000.00} which is about {$41000.00} more from the original mortgage two years earlier. How is it possible that I am owing more than the original loan amount. I was making payments 1 year prior to defaulting.
Consumer complaint received 2024-03-06
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. (TX)

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC.You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines up to {$1000.00}. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. (MD)

Paxful is holding my XXXX in escrow. 
Paxful has deliberately ignored all my attempts to get admin into the matter for three months now and thereby letting my coins to be stuck in escrow. 
Trade ID XXXX Amount XXXX XXXX Date XXXX, XX/XX/2022 This report is to serve as my intent to sue Paxful in the small claims court if Paxful does not send a moderator to look into the situation and release my funds from escrow.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NJ)

Ok XXXX XXXX XXXX XXXX  and when trying to get it back I had to pay XXXX for the car gotten no notice at all also did miss some payments but was willing to pay the past due and they didnt want that so XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  so now Im owing them money.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I called Aspire credit card last month and told them that I am going through severe hardship. First I was affected by XXXX, and then my business is affected by the hurricane in Florida. They kept on charging me {$30.00} late fee and lots of interest. They charged {$37.00} just for interest in XXXX and they're charging this every month. I asked them to waive at least late fees but they're denying to waive the late fees. How can we pay such excessive interest fees and late fees? There's no way. I rather spend that money for food. I won't make them any payment till they waive all the late fees. XXXX XXXX XXXX  is ripping off the consumers with excessive fees. This should be illegal.
Consumer complaint received 2022-11-30
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I have tried unsuccessfully several times to get my mortgage loan company to remove the monthly insurance premium ( MIP ). My FHA loan was initiated before 2013 and been in effect over 5 years. I have a loan balance that is less than 78 % of the original and only appraisal value. 

The company, Mr Cooper ( nationstar ) has an incorrect appraisal value in their file and refuses to accept the only appraisal ever done. 

I want the MIP billing to stop and a refund made for the months where the MIP should have stopped. 
Original home appraisal = {$150000.00} current balance = {$110000.00} loan to appraisal = 77 %
Consumer complaint received 2022-11-30
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (MA)

i have costanly told XXXX equifax and XXXX  that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having XXXX  going on because of the breach that happen with equifax my info has been found over 130 times and i dont know how to stop this
Consumer complaint received 2023-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (CT)

I made a mortgage payment of {$1400.00} on XX/XX/2022 and another payment of {$1400.00} on XX/XX/2022 and received my regular confirmation and receipt via email from Home Loan Serv company. Home loan Serv is still alleging that i did not make my payments even after i have sent them multiple letters and proof ( via certified mail # XXXX, # XXXX and # XXXX ) - stating otherwise and now they are charging me extra fees and have blocked my account so i can not continue to make my payments, causing me stress and they continue to report negative things to credit reporting agencies. I have told them to stop reporting all my information to all third parties but they continue to do so and refuse to rectify this billing error.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, 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: Onity Group Inc. (GA)

I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years.

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX