davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit card along with the associated PIN number was stolen and purchases were made for over {$800.00}. I have to write down certain information as I have a XXXX and take medication that makes me forgetful and I feel Im being unfairly punished by capital one and forced to wait for them correct a problem that I reported to them right away once I realized what had happened because of it. I spoke to a representative who told me she would change my PIN number which Im extremely worried about because now I dont know what it is but I dont think she did and they also wont replace my money thats now gone.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (NC)

About XXXX weeks ago Navy Federal had taken all my money out my account because of fraud. I didnt know about it until XXXX after when I tried to pay my rent. I called them and told them that I was aware about every transaction before them taking all my money. They have promised and said I would have all my money back by a certain day and still havent received all my funds. Tried to deposit money but they had still took money out and still havent received {$300.00} that I deposited
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My CURRENT and ONLY address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX '' I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Upon settling in court, XXXX. XXXX XXXX and I agreed that MCM would stop reporting and pursuing the full original amount. We settled for half and now they are still regularly reporting the FULL balance which is the only collection account damaging my credit.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

This is a continuation of complaint # XXXX. The response from the prior servicer states that I was sent the modification documents but I never got them, which is why I kept calling asking for them to be sent. Each call I made, when I would make my payment, would typically end with me asking for the modification documents be sent to me. I am still waiting despite what the servicer says. I never signed for any documents, I never got any documents. I have only wanted to have this modification completed and with every payment have tried to get that to happen. I continue to do so. 

What this appears like to me is that the consumer ( me ) is being screwed here due to the terms of my modification. It makes zero sense that I would continue to call in asking for documents if I already had them. Additionally, at no time was I ever told " Oh, we sent those already ''. I just kept asking for them each month. 

I am begging that this modification be completed under the terms and conditions agreed to previously. I only want to keep my house so I have a place to live. I am currently in the process of moving back in as it is my only place to live. I beg the CFPB to help me get this resolved.
Consumer complaint received 2023-01-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Again after 3 years PHH is back to their games. 

I applied for a loan medication last year, I didnt sign or make the first payment because around the same time my identity was stolen. I am trying to repair what happened and working with lawyers. This is taking longer than expected.
Consumer complaint received 2020-03-06
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. (TX)

Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omited to provide the methodology according to the Fair Credit Reporting Act and other law. 
Wrongly they just issued a reinvestigation report with no support again. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.
Consumer complaint received 2023-01-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America placed a. Annual fee on a credit card that had a XXXX balance and because of COVID I never received the XXXX $ statement balance. It gave me a XXXX day late payment now and has dramatically hurt my perfect XXXX years of perfect credit. They have not fixed it yet.
Consumer complaint received 2023-01-17
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: JPMORGAN CHASE & CO. (CA)

I submitted a Mortgage application with Chase on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use Chase. 

Now it's XX/XX/XXXX and my Chase pre-approval expired. The agent from Chase contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). 

However, before I got a chance to contact Chase and cancel this cancel the pre-approval, Chase pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in XX/XX/XXXX.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (FL)

In accordance with the fair credit reporting. Everything has to be 100 % accurate on my credit report. The credit bureaus states my account was properly investigated but how is that possible if the open date is inaccurate the last active is inaccurate, the remarks are not the same, Times is inaccurate aacount number is inaccurate two different account numbers. This is grounds for removal they also violated my rights under 15 USC 1682 Section 602 A States I have a right to privacy.

15 USC 1681 Section 604 Section A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also my credit bureaus took more than 30 days to complete my investigation. 
XXXX XXXX Account Number : XXXX Account : XXXX Account are different
Consumer complaint received 2023-01-17
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  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX 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 2020-03-07
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. (GA)

To Whomever This May Concern : I am reaching back out because I am going to file suit against XXXX  and Experian. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

XXXX  refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

Experian refuses to remove XXXX XXXX that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. Experian has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I have sent Experian the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through Experian and XXXX  and both of these bureaus are refusing to cooperate. 

My attorney is giving Experian and XXXX  until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX  ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 Bank of America XXXX  XXXX, freeze my acct, when I call bank regarding issue I was told to contact XXXX, when I contacted XXXX about this issue, I would be told that its Bank of America who I should contact regarding this issue, at this point I was just back and fourth with bank and XXXX, than I contacted the bank again and let them know that XXXX, told me to contact bank, and I also explain to bank, that my indenity got verify with the XXXX on XXXX.but the only thing I was told was to contact XXXX, were talking about my pandemic funds that bank froze my acct.later I found out that Bank of America Closed my acct.having funds in my account.I continued receiving my unemployment though checks, from XXXX
Consumer complaint received 2023-02-06
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. (OH)

My rights under the Fair debt collection practices act as well as the fair debt collection practices acts have been violated by these companies in the following ways : XXXX. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. And they do NOT have my permission to put this on my report.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Disputed with Equifax, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (AK)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019 to XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-09
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. (IL)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VYSTAR CREDIT UNION (FL)

I applied for a Checking account with Vystar Credit Union XX/XX/2023 and was denied. In the letter it states that their decision was based in whole or in part on information obtained in a report from the consumer reporting agency, but also states the reporting agency played no part in their decision and is unable to supply specific reasons why they have denied my request to open a deposit account in their institution. 
Pursuant to 15 usc 1692e- The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Which in this letter, Vystar Credit Union is being very misleading once they obtained information on my consumer report.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - The bank is dependent upon my consumer report being fair and accurate.

Pursuant to 15 usc 1602 ( l ) - The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit I used my social security card which falls under the term " credit card '' and I have received no benefit which is fraudulent activity.

I put an application in in good faith but an account was not issued.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Account Resolution Corporation (MO)

XXXX XXXX XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX HOSPITAL has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of {$150.00} ACCOUNT RESOLUTION C has a negative impact on my credit for the amount of {$110.00}