davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my fourth 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX A XXXX XXXX XXXX {$600.00} XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-11
Product: Credit 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. (NV)

I was an victim of Fraud since XX/XX/2022, I informed Chase bank fraud department to where they only took initiative to credit half of the charges to which theyre trying to make me pay for the other half that was fraudulent. Ive been sending them documents proving Im a victim for over a year to which they keep denying and stating the charges are valid. I dont understand if Im the victim and been sending proof why are the charges still valid? Ive sent over police report, including other documents from other credit card companies showing proof as well.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I have disputed the ownership of debt that LVNV is claiming that I owe however as of to date LVNV has failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. LVNV is not able to provide his documentation and as such is trying to collect on a date from that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Please note that all Assignments that were recorded for Property located at XXXX XXXX XXXX XXXX, XXXX XXXX notarized by XXXX XXXX need to be investigated for fraud and misuse of the Notary Certification for the Nationstar Mortgage LLC. personal gain. 

All persons who notarized the assignment has lack of capacity, authority and personal knowledge of the facts regarding the transferring of the note to the current Servicer, Nationstar Mortgage LLC/ The Assignments recorded also shows lack authenticity. Under the Consent Order with the CFPB, Nationstar Mortgage has the due diligence to make sure the consumer protection laws were adhered to. 

We requested a principal modification, principal reduction based on the assignments and Nationstar LLC has failed to honor such request and did not give us an explanation why we were denied A complaint will be filed against the Notary in the Executive Governors Office in XXXX for their errors and omission by not validating the reference document.
Consumer complaint received 2023-06-15
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 XXXX XXXX XXXX XXXX and 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 an account without my written instructions.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have DISPUTED The XXXX XXXX XXXX Closed Credit Card Account # XXXX, on my Equifax Credit Report, numerous times ; but, Equifax is still reporting this ERRONEOUS LATE PAYMENT for XX/XX/2020 in PAYMENT HISTORY -- SEE ATTACHED. I have submitted the Account 's Creditor [ XXXX XXXX XXXX XXXX  ] evidence to Equifax, which TOTALLY proves this XX/XX/2020 Late Payment is ERRONEOUSSEE ATTACHED. Why provide SUPPORTING EVIDENCE if Equifax WILL NOT REVIEW it to support my dispute? This evidence proves that the ERRONEOUS LATE PAYMENT is being reported by Equifax, and not being reported by the Account 's Creditor [ XXXX XXXX XXXX XXXX XXXX ; therefore, the reported XX/XX/2020 ERRONEOUS LATE PAYMENT is ILLEGAL. I am strongly considering a LAWSUIT against Equifax because this ILLEGALLY reported ERRONEOUS LATE PAYMENT is adversely affecting my Equifax Credit Score.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my one of 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. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2022-09-23
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the accounts I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

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 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Experian XXXX XXXX XXXX, XXXX, TX XXXX ACCOUNT NUMBER XXXX REPORT # XXXX I received my report from Experian on XXXX XXXX and the following day on XXXX XXXX and told the person I don't live at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ar XXXX and the person refused to delete the address. They did not remove XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX or Update my Employer. 
Experian, 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. 

In accordance with the Fair Credit Reporting act. The List of account has violated my feIn accordance with the Fair Credit Reporting act. The credit reporting company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-11-25
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. (NC)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-03
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: Experian Information Solutions Inc. (GA)

Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was denied credit for not having a strong enough credit score, but thats not true. The credit score reported was also incorrect.

Bank of America is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Also I have established credit - XXXX yrs XXXX mos is my average age if credit and my oldest account is XXXX XXXX XXXX with no late or missed payments. 

This would only be fair if 100 % of applicants were denied under the same circumstances, but because Bank of America does not accept my credit history - this is discriminatory.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

I received a letter dated XXXX on XXXX from Shellpoint Mortgage Servicing explaining my mortgage has been sold to XXXX XXXX XXXX. The letter said, I had to mail them a check by XXXX. 

Attempts to contact both companies requires I provide personal information to receive customer service. It is not possible to talk to a human although their website says otherwise. Call XXXX to make a one-time payment or set up recurring payments. 


PHONE ( LIVE PERSON ) Call XXXX to make a XXXX-time payment or set up recurring payments with XXXX of our customer service representatives. 

This feels like a scam.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

Dear Sir/Madam, I received {$90.00} from a friend today to my PayPal account which is XXXX. However, PayPal charged me {$3.00} for this transfer so I received {$3.00} less from the original amount. I called to complain and XXXX representatives were very rude and they said they could not refund the money back to me. 
PayPal is ripping off customers like me by charging excessive fees. I was supposed to receive {$90.00} and they took {$3.00} from my account. They did not give me any information about this fee and I was not aware that PayPal charges any fee for incoming payments. 
I demand to receive {$3.00} back from PayPal and they should stop charging us excessive fees. 

Regards, XXXX XXXX
Consumer complaint received 2022-11-14
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. (MO)

I have several inquiries on my Credit Report that were made by someone other than myself. I was a victim of identity theft and several attempts to apply for credit were made in my name.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XX/XX/XXXX I contacted the CEO of Navy Federal Credit Union via email to request that she review my account and allow me to reestablish a credit worth relationship with the bank. She agreed and I was allowed a new account, clean slate and a fresh start with the credit union or so I believed. On or about XXXX XX/XX/XXXX I applied for a credit card and a refinance of my mortgage ( I was denied for both ). When I received a response from the credit union in the mail as to why I was denied for both, each letter stated that I had previously caused Navy Federal a significant loss. The reasons for denial were not the usual, your debt to income ratio is too high, credit card balances too high or you do not meet credit score requirements for these products. For the record at the time of applying my score directly from the bureaus were XXXX, XXXX and XXXX. I sent XXXX XXXX another email on XXXX XX/XX/XXXX requesting that she have a senior executive research what had happened and why the response of denials. Three executives from NFCU contacted me and I ask via phone and email " if I was not going to be allowed a totally clean slate and have access to all the NFCU products why give me a new account? '' None of the executives could answer that question so I sent XXXX XXXX another email requesting info on why I was given a new account with conditions and not a regular savings and checking account and to date neither the execs or XXXX XXXX have responded in any format.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NY)

Way2go XX/XX/2023. Money deposited on the XXXX and has been difficult to use. Customer service is 100 % automated and wont help. Even the alerts dont work.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (OH)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (IL)

I have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My ex opened these cards. Capital one, refunded me money back to my bank account, after she used it. I never opened this cards. As there is 2 cards. I never agreed to them. This is fraud issue
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Good morning bank services Trought out the magnitude of the malpractice judgment from XXXX - XXXX XXXX - Judge XXXX -along attorney in the case involved. During the time I invested payments under the contract abroad to XXXX XXXX XXXX to his account in XXXX XXXX XXXX  XXXX XXXX and fast transaction wire transfer from my account XXXX XXXX . About one in half year since XXXX to several personals contractual business accounts attorney and others affiliates I got losses of the business due of wrong and fraudulent practices of monies and reproduction of documentation ( fake reports ) copies to proved - in divorce case Discrepancies and unlawful judge decision loss of restaurant in XXXX XXXX Back up taxes - in the landscaping business and abroad restaurant - XXXX  legal busines registered XXXX XXXX XXXX XXXX XXXX bank investigating support on the matters Sincerely,