davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

Lender acquired insurances at a much higher costs than the original insurance amount I previously paid with them, without consulting me. The estimated amount exceeded what I agree to pay. The lender has included an extra amount into escrow amount without consulting me, which is causing a drastic increase in my Mortgage payments from {$2100.00} to XXXX. Making my payments {$320.00} in difference from the original agreements and by doing this they are deliberately creating a Billing default or wrongfully declaring a default in order to generate fees and penalties or to acquire the property. Guild Mortgage is wrongful failing to honor a loan agreement. The Lender ( Guild Mortgage ) claimed that the increase in the insurance amount was the main cause in the increase of my escrow. Guild Mortgage stated that the new payment amount would take effect beginning XX/XX/2022, and prior to that date I have acquired my own Property insurance and have paid it in full. I have provided that information to Guild on XX/XX/2022, and yet they refuse bring my mortgage payment back into the original payment amount of {$2100.00}. Claiming that they must re analyze the payment amount but yet they consist on making me pay {$2500.00} payment for XX/XX/XXXX, XXXX which I have offset by paying my insurance in full.
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (VA)

I sent out a validation letter XX/XX/22 I havent got a response. I asked debt to removed deleted off credit reports if didnt provide a contract with me the company within 30 days its been over 30 days no response from company
Consumer complaint received 2022-04-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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 2022-04-17
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I had a fraudulent claim happen and had about XXXX dollars taken from me. Like anyone would, I filed a claim with BOFA thinking everything would be solved in 45 days. Praying for less of course. Then the following pay day on XX/XX/XXXX. No money in my account and my account was closed. I havent been able to get access for 3 payments now and Im a single mother of twins!! I now have a lot of late fees with a canceled car insurance and overlap in my insurance. 
I am disgusted with the process and the fact that XXXX is waiting for BOFA so I can receive my funds! My account has been open since XX/XX/XXXX they said. Please someone help me. My phone number is XXXX. 
Name is XXXX XXXX. Im about to be in far more debt than I already am and no one is helping! Email address is XXXX Also, not only do I have my stolen funds taken now I cant even get access to my current funds!!! How is this even legal?? This is sickening to me.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (NY)

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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : XXXX XXXX XXXX XXXX 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 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : XXXX XXXX XXXX XXXX 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 2021-02-19
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. (NJ)

Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on my business and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.
Consumer complaint received 2024-03-08
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. (CA)

I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate.

According to the 15 USC 1682 s 2A, 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 the information is inaccurate. 

Please see my attach files showing inaccuracy on my consumer report.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (FL)

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ;
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NC)

Spoke with this company last week about setting up a payment arrangement online and asked them to stop calling! I received another call 4 days later and I told them to stop calling I verified everything and stated that I will set up a payment arrangement and they placed this debt on my credit report! Sent letter XX/XX/XXXX saying I had to respond mu XX/XX/XXXX which I did any they placed it on my credit report anyway!
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MN)

I ordered sweaters on XX/XX/XXXX. When I didn't receive them by XX/XX/XXXX, I emailed XXXX XXXX and was informed that the XXXX were delivered on XX/XX/XXXX. I check my front steps daily for mail and/or packages, since I do a lot of online ordering and the package was not there on or after XX/XX/XXXX. Perhaps it was stolen or delivered to the wrong address. Either way, they have provided no proof that the package was delivered, as there were no pictures of the package at my address and I did not receive a text or email that it was delivered. I was informed by Customer Support that I needed to fill out an affidavit proving non-receipt of the package, which I did and sent by US Mail to their Customer Relations Analyst in XXXX XXXX, TX. However, I did not realize that I should send it by registered mail so I would have proof that it was sent, because I have never been distrusted to the extent this company has gone. I then filed a dispute with their bank, Commenity Bank and did not hear from the bank until XX/XX/XXXX that my dispute was denied and that I owed the original {$79.00} plus any accumulated late fees. On XX/XX/XXXX, I emailed XXXX XXXX  Customer Support regarding the bank 's letter and was informed by XXXX and XXXX that my affidavit was never received and because so much time had elapsed, the sale was now final and could not be reversed. Today, XX/XX/XXXX, I received an email bill from XXXX XXXX that I now owe {$100.00}, due XX/XX/XXXX. For items I never received.
Consumer complaint received 2022-04-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PRIMARY RESIDENTIAL MORTGAGE (NY)

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Consumer complaint received 2022-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was asked for a favor by XXXX roommates to deposit their checks into my bank account due to the fact that they had no Driver 's License. So upon depositing said I received a notice that the checks will be on a 10 day hold because they were suspicious of the checks ( which I understand ). So after the 10 days are up the check indeed cleared but then almost immediately I received an Email saying Chase was going to close my bank account. Unbelievable! But that's not even the worst part to make matters worst Chase tells me even though the checks cleared and I waited the 10 days there going to keep the funds that were deposited. I dont know if im mistaken but ai don't think that is legal. I contacted Chase multiple times and every time I was told there's nothing that can be done.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (GA)

I paid my indigo Mastercard off in full. When I got my statement in the mail, I saw charges from a company on there of XXXX dollars and some change. I did not make these charges and I'm not paying this. The card co said they were gon na send me another card with a different account since this one has been hacked in which I have not received. I'm not paying this
Consumer complaint received 2017-02-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (KY)

Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name. 
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service. 
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent. 

I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant. 
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored. 
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them. 

Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.
Consumer complaint received 2022-04-17
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. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

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

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

I DID NOT AUTHORIZE. I DID NOT GIVE CONSENT
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 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 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.
Consumer complaint received 2022-04-17
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: EQUIFAX, INC. (FL)

The following Companies access my credit with out my consent '' XXXX XXXX : XXXX. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : No contact information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 604A section 2 states consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-04-17
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: BROKER SOLUTIONS, INC. (IL)

My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX  in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from New American Funding. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609