davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (PR)

XXXX XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

Investigate wrong/delinquent parcel payments on XXXX taxes associated with loan number XXXX. 

XXXX XXXX updated our XXXX address because XXXXXXXX XXXX XXXX XXXX XXXX XXXX was not accessible for XXXX emergencies. It was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We called Citizens on XX/XX/XXXX to advise of an address change. 

Citizens has been paying the taxes on the wrong parcel #. 

The taxes on correct parcel # ( XXXX ) are delinquent. The past due penalty amount is {$3500.00}. 

Citizens should have been paying the taxes on parcel # XXXX. This is the land that the home is physically located on. 

There should be an escrow balance that is {$3300.00} that citizens should credit us. 

Citizens is responsible for fixing this issue and paying the past due penalties. 

We contacted Citizens on XX/XX/XXXX as soon as we realized Citizens was paying on the wrong parcel. They told us it would be XXXX days and they would resolve this and let us know via phone call. We never received a call. 

We contacted them on XX/XX/XXXX to find out if this was resolved, they said it was not resolved and that we would getting a call back on XX/XX/XXXX. We still haven't received a call.
Consumer complaint received 2023-02-08
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. (CA)

I received a text from a machine asking if I made a purchase on my Chase Freedom card. I said yes. My card was cancelled against my will anyway and the charge declined. No one was able to actually read or find the text or know why it was cancelled. A human being should have called me. I tried calling Chase as soon as I got the message which woke me up in the middle of the night. Their office was closed.I have spent 3 hours trying to straighten this out. I do not want a new card number. Or I want compensation for this aggravation and now cancellation of my vacation booking. 

How do credit card companies get to behave like this without some kind of a Fine?
Consumer complaint received 2022-12-31
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. (PR)

XXXX  XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

I have applied for the California federal Mortgage relief program and after a year wait and previous denial finally I got approved for up to {$80000.00} in grant towards my deferred mortgage balance of {$80000.00} which consist of 4 deferrals combined resulted during the covid. Very exciting news for any struggling and low-income minority homeowner like my self. considering that I am a senior over XXXX years old of age. 
The bad news the servicer decided blocked it and continues to block it from going through or even cooperating rather they have decided to discriminate a against me and turned it into a night mare. 
They said Because the program is only paying up to {$80000.00} and my deferred loans amounts are {$80000.00} they are not sure what to do or how to handle the remaining balance of the deferred loans of {$500.00} which I have offered to pay but they have refused so they could block the assistant from going through.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/2024 EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit profile, I discovered that there is a debt and a Social Security XXXX reported that do not belong to me. The details of the erroneous information are as follows : Creditor Name : XXXXXXXXDEPT OF ED Creditor Name : XXXXDEPT OF ED Account Number : XXXX Account Number : XXXX Incorrect Social Security Number : XXXX I can confirm that I have never held an account with XXXXDEPT OF ED, nor do I recognize the Social Security Number associated with this account . It appears there has been a mix-up or identity theft issue, as this information does not pertain to me in any way. 
I request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made. 
Enclosed are copies of documents supporting my identity, including my drivers license and Social Security card, for your reference. 
Thank you for your prompt attention to this matter. Please inform me of any further steps I need to take to resolve this issue.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-05
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. (LA)

I reviewed my consumer reports and noticed that I have some late payments on an account that I was never late for. Consumer reporting agencies have assumed vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I havent been late on my on payments for the account ( XXXX XXXX XXXX, account number XXXX & XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be upgraded to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a email that said someone checked my credit report on XXXX XXXX.But without my permission. Then I log in to my XXXX account to find out what is going on. I found that someone submitted a credit card application on XXXX XXXX. And also I found that there are XXXX Bank of America credit card on my credit report that I never applied. And some address I never lived. And my first name was wrong. I called Bank of America immediately to make sure what was happening. But they told me that none of credit card was under my name. I dont know what is wrong? Those credit card are on my credit report. I also called XXXX XXXX, they said yes, someone submitted a credit card application on line. I told them I never applied it. Then they told me they would cancel it. I called the XXXX too. They told me I have to get a report from ftc.gov.And I tried to dispute those credit cards I never applied and the addresses I never lived. And I dispute the name.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-13
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (NJ)

I purchased & owned a timeshare. Payments were made & I still have not received my deeded weeks ( 5 weeks ). with XXXX XXXXXXXX XXXX XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections Manager with XXXX XXXX XXXX  XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections with additional fee for {$430.00} ( Association Interest : {$86.00} ; Late Fees : {$25.00} ; Collection Fees {$280.00} & Interest ( 5.5 % ) - {$36.00} more than the bill of & XXXX ( XXXX Maintenance Fee- {$820.00} & Taxes {$190.00} ). 

Paid XXXX, XXXX, XXXX fees were paid but I never received my deeded week. Highway robbery!!!! 

The documents showed XXXX & not XXXX!!!
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : 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 an account without my written instructions.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXXXXXX, From : NATIONAL CREDIT SYSTEMS, 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 2023-03-08
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: ENCORE CAPITAL GROUP INC. (NY)

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 state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-08
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$900.00}
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to use my ten year Kohls card online and had to call them. They closed my account due to inactivity 2 weeks ago without notice, damaging my credit score. I explained I've been down with long term medical issues. They said they couldn't reopen the account because Capital One wouldn't let them. One lady said they didn't have to notify me, another claimed they did. Spoke to CapOne corporate, they said that is a lie, it's 3rd party and Kohls controls it. I worked really hard to build my credit. They sent me to fake Corp numbers and denigrated Capital One. I want my score fixed.
Consumer complaint received 2024-03-27
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: WELLS FARGO & COMPANY (TX)

Wells Fargo failed to update inaccurate reporting within 30 days and did not provide proof of what they claimed was their correction XXXX XXXX claimed she did not review my reporting yet she is providing updates. She failed to correct inaccurate Account Status XXXX and XXXX show Paid and XXXX shows derogatory YET XXXX payment history shows no late payments nor charge offs. All payments show as OK since XX/XX/2019. I have attached copies of my cresit report. Delete this report immediately as it has violated my Fair Credit Report Act rights and you have failed to investigate for accuracy.
Consumer complaint received 2023-03-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is reporting inaccurate information on an old car loan. They are reporting different information across all 3 bureaus, as well as different information for the co-signer. I have tried repeatedly to reach out to this company in order to get this straightened out and have not received any information back. They continue to report inaccuracies on my credit report, negatively affecting my ability to gain credit.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (LA)

Ive watched the videos for the one main financial pay out for extra add ons they added to loans I was made to believe they were complimentary services for having the loan not add ons you paid extra for I took out another loan with them to pay off the first loan which cancelled the services. The first loan was taken out around XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PR)

On XX/XX/XXXX, an attempt is made to retrieve some money from an account that is not in use, which has no balance, because autopay changed the credit cards. On behalf of Synchrony Pep Boys credit card, this company ( Synchrony Bank ) makes two unsuccessful attempts to take the money from my account. When I realize this action, I decide to double the payment and do it on XX/XX/XXXX, covering all debt. The next day, I had an alert on my credit card page telling me to contact the company. What happened was that my account had been closed without prior notice or permission by the company. When I called the company, they transferred me to the proper department where they told me that they couldn't do anything about it.