davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

NATIONSTAR MORTGAGE LLC DID NOT FULLY GOVERN THE MAKING HOMES AFFORDABLE APPLICATION PROVIDED BY THEIR COMPANY AND AS A RESOURCE FOR HOMEOWNERS EXPERIENCING FINANCIAL HARDSHIPS FOR FORECLOSURE PREVENTION. 
In XX/XX/2017, I spoke with a Loan Specialist at Nationstar Mortgage LLC and discussed the options of a modification for my rental property due to a hardship. The Specialist forwarded documents to me to complete per my request. Once I reviewed the documents I gathered all the data required per the application ( personal information, financial statements, hardship letter & etc. ) I submitted the details to the mortgage company immediately. A short time afterwards, the mortgage company replied notifying me that my modification had been rejected. Upon calling in my concerns, I was informed that my application was denied because the mortgage company was not honoring modification programs for rental properties because President Obama was no longer in office. In requesting the documentation for the Making Homes Affordable Program, the Loan Specialist never informed me of this important detail. MOST IMPORTANTLY the application that I received did not indicate a deadline for the program or if the program was obsolete because Obama 's term was over. During a conversation with another Nationstar Loan Specialist I tried to seek out other options for mortgage assistance but was assured that my choices had run out. 
Nationstar was careless in accommodating my mortgage needs which lead me closer to foreclosure on my property. Despite my hard efforts to keep my property, Nationstar did not properly handle my mortgage assistance request. Ultimately, I was given an ultimatum to pay the accumulated debt or lose my home and therefore was forced to seek immediate, individual personal help for the sake of my loan. 
Their lack of details and misguided communications has provided concerns for other areas of operations in the company. I feel that my personal information sent for a modification review is at jeopardy of being mishandled or improperly discarded as well. 
Nevertheless, a letter I received dated XX/XX/2017 in lieu of my modification request has indicated that Nationstar Mortgage LLC had failed to disclose the owner/guarantor/trustee of my mortgage loan while reviewing my modification request. This letter suggested that Because we ( Nationstar Mortgage ) did not include the owner/guarantor/trustee of my mortgage loan, we are expending your right to appeal non-approval for a modification and your opportunity to discuss loss mitigation options that may be available to you ( me ) to allow an additional 30 calendar days from the date of this notice. 
It appears that Nationstar has a poor habit for disclosing important details and properly communicating with their customers. Their ill-considered actions have caused me more stress than expected during this under addressed mortgage assistance process.
Consumer complaint received 2024-04-02
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. (NJ)

XXXX XXXX XXXX was order by the original creditor XXXX insurance on XX/XX/2022 to stop all collection activity with this account ... .the credit agencies are allowing them to report this on my reports ... as by law the XXXX XXXX XXXX never gave me a prior notice that they where reporting this to the agencies,,, reporting this item on my report is a collection activity
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi, My complaint is that I sent letter and Identity Theft Report to Equifax, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

As of today, the issues has not been resolved.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-06-18
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. (NJ)

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 ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX 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 2017-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank took {$3000.00} out of my checking account which caused {$81.00} in overdraft fees. They promised I would receive credit for those fees. I had to wait  almost 4 WEEKS to get my money back. ( They did n't care and lied MANY times about the return of my money ) I got a letter from them stating that I would get the {$81.00} and so far that has not happened. I do n't know who is in charge at Synchrony but they have some major problems.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-18
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-08-03
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. (TX)

it is not legal for someone to place a hard inquiry on your credit file without specific permission to do so,... I am seeking Punitive damages must be both reasonable and proportionate to the amount of actual damages to the consumer. The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims.. They are unauthorized hard inquiries on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have wrote to the credit bureaus and send in my driver license Proof of identity so at this point this needs to be investigated.
Consumer complaint received 2023-08-03
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a certified financial crime investigator. I am filing this complaint on behalf of each individual that has been issues a Social Security Number by the Social Security Administration. I allege that the credit bureaus, to include Transunion, XXXX, and XXXX are willfully and knowingly allowing fraudulent profiles to be created in their databases and systems. On multiple instances, they were made aware of how they allow fraudulent credit lines to be opened with information that differs from the original individuals demographics. Financial Institutions are being harmed along with the individuals that are issued SSNs. Fraud losses are exponentially increasing year over year and this is in part, due to the credit bureaus going unregulated and unchecked. Regulators need to file suit against the Credit Bureaus for willfully and knowingly violating FCRA/FACTA and the consumer protection laws. 
A few questions any educated individual would now ask, after reading the previous statement, would be : " Why would the Credit Bureaus allow secondary profiles to be created? '' " What benefit do the Credit Bureaus have in allowing fraudulent profiles into their data/systems? '' " Why is this an issue and what are the implications? '' To answer these, we must first look at what all fraud schemes have in common .... MONEY. XXXX dollars are spent each year on fraud prevention and detection tools by financial institutions that are under MAJOR scrutiny by the various regulators. In order for financial institutions to comply with FACTA and the red flags rule, they must have proper detection tools in place. These tools are being developed, marketed, and sold to the financial institutions by the Credit Bureaus themselves. The Credit Bureaus have invested massive amounts of capital and energy on learning how to identify fraud within their data. Credit Bureaus have proprietary tools that can identify the very fraud they have allowed, which can easily be sold at top dollar to financial institutions, who unknowingly and unwittingly shell out XXXX for these fraud tools. 
To address the last question from above, we need to look at who Social Security Numbers are issued to. SSNs are issued to minors, adults, but most importantly, all are American Citizens. We as American Citizens are being harmed maliciously by the Credit Bureaus and DEMAND protection by the regulators. Escalate this to any other regulator or investigative branch of the government as necessary. It is time we address the root cause of fraud here and now.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-02
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. (SC)

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.
Consumer complaint received 2023-06-19
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. (NJ)

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 XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  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 2023-06-19
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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)

Im giving XXXX and XXXX XXXX days before I file a claim of unfair and deceptive practices Against equifax for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX and XXXX will remove accounts removed non public accounts in XXXX days of receipt of this notice If XXXX and XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on XXXX and XXXX taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2018-04-12
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. (TX)

Hi, I filed a dispute with Chase in XX/XX/XXXX, for a {$1500.00} ( XX/XX/XXXX, reference # XXXX ) charge to my credit card.

I received a message from Chase.com stating that they would work on it. The message further stated : " If we make any adjustments to your account .. You'll also see the adjustments on your billing statement. '' On or before XX/XX/XXXX Chase agreed and credited my account ( adjustments ).

I have snapshots of my account dated XX/XX/XXXX, that show the XXXX XXXX transaction for {$1500.00} was credited back to my account. I also have a snapshot from the Chase.com website stating " There is no amount due on this account ''. It also showed my balance was a negative {$1500.00} on XX/XX/XXXX. Several of these snapshots are attached ; including one of my XXXX statement showing my current Balance as {$310.00}. 

Then on XX/XX/XXXX the transaction was re-posted to my account for {$1500.00} ( XXXX XXXX ) as if I had walked in and physically used my credit card. I did not! Nor did I make any transaction or payment online with them in XXXX or XXXX. I have not been to this place ( XXXX XXXX   ) since XX/XX/XXXX, before I disputed the first charge. This is a second charge which is even more fraudulent than the first one.

In a XX/XX/XXXX letter Chase says that I waited too long to dispute the XX/XX/XXXX charge, but incorrectly calls it the XX/XX/XXXX transaction, which they had already resolved/credited. I have not had any other services with XXXX XXXX. So if this is the same charge resubmitted as another transaction it is fraudulent. 

Either way the time issue/error is Chase 's. The complaint was in XX/XX/XXXX. Their XX/XX/XXXX reply saying it's been too long is their error. Just as I have to bring the issue to their attention within 60 days, they also have a limited amount of time.

Additionally, it was already credited back to my account!

Thank you for your help resolving this error. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-20
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)

AE Brilliant Card. Annual fee increase from {$450.00} to {$650.00}. My card was charged on XX/XX/XXXX {$650.00}. I was out of the country. Came back on XX/XX/XXXX. I check the card online and select cancel card. A message came up that {$580.00} Will credit back to my account. I called, spoke to representative to cancel card. He confirmed annual fee will be prorated. I notice no credit was returned, call on around XX/XX/XXXX, and was told no annual fee will be refunded after 30 days. Per my request, an inquiry was created and was told I need to call back and check the result. Called today, and was told no refund for a prepayment annual fee.
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: M.L. Zager P.C. (NY)

On XX/XX/22 ML Zager P.C made an unauthorized and unlawful hard credit inquiry that negatively affected my credit score with all three credit bureaus. At no point in time did I, XXXX XXXX XXXX give them authorization to use my full name, date of birth, and social security number. I called their office at XXXX XXXX, XXXX XXXX XXXX, and a person there was very rude and unprofessional with me and said that I was making threats to file a complaint with the FTC. All of which is well within my rights to protect my personal private information.