davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have spent over an hour trying to access my account to thaw my credit freeze. The website does not work. I have tried signing in with different emails, different passwords 6 or so times. I have tried Account recovery over 8 times and I get an error every time. I tried making a new account incase I didn't have one before and inadvertently signed up for a second Equifax product. Looking online incase there was an issue with my computer showed that this is typical Equifax behavior.
Consumer complaint received 2024-03-19
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of 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 XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

My credit card with XXXX XXXX XXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Good evening, I had reached out to this financial institution to make a change to my credit card account so that I could activate a new card and my online portal, but the representatives and manager, " XXXX, '' actively refused to assist me despite me conversing in a professional manner. The information that they had incorrectly entered into my account is the phone number on file. 

I have another case already open with the CFPB regarding this issue, however, I received a document in the mail today from Capital One that I am perceiving as a direct threat to my life without reason or provocation. Instead, I have only tried to communicate in a professional and polite manner but have only been met with hostility, instigation, harassment, veiled threats, and a clear and present manipulation and fabrication of evidence. 

I am communicating though the CFPB as I do not feel safe speaking with Capital One directly. I am very afraid for my life at this time that they may escalate their attacks against me. 

At this time, I have no intent to continue banking with them, communicating with them directly, and I will never do business with them in the future. 

I am attaching a copy of the veiled threat that I received from this business this afternoon. 

Instead, I request only the following reparations : My personal information to be deleted and a receipt of destruction mailed to my residence. 

Documented evidence that any and all accounts in my name have been closed. 

Credit report repair. I'd like their card and inquiry to be removed from my report.
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (AL)

Hi, my name is XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ssn # XXXX. 

I can not make any purchases/deposits through Google pay app. I have a deposit transaction that's been pending for about a weeks now through Google Pay for {$20.00}. I also lost my XXXX $ Google play card when I reset my google account trying to fix my situation. I have no idea what's going on with my google account but it's extremely frustrating. Can you please help me out with my situation?
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I had an account with chase last year, they allowed me to cash XXXX  check for my wife and her cousin and I also deposited checks from selling XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX over XXXXXXXX XXXX ive tried talking to them the others have to they won't give my money back and closed my account.i went in the bank to the teller with the person every time.
Consumer complaint received 2022-11-14
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. (MN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-07-14
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. (AZ)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to dispute and request an investigation into the inaccurate information reported by XXXX XXXX on my credit reports. The accounts in question, held with XXXX XXXX, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by XXXX XXXX has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.
Consumer complaint received 2022-11-14
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)

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IN)

about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX  XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$420.00}, ( XXXX ) XXXX, XXXX
Consumer complaint received 2022-11-14
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. (NY)

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

I am filling this complaint regarding my mortgage servicing with Mr. Cooper. My monthly escrow payment has been increased in a way that has made my total monthly mortgage payment impossible to afford. 

In the past year, I experienced an increase in my property taxes, which I anticipated would result in a higher escrow payment. However, the increase in taxes was approximately {$4000.00}, but my monthly escrow payment has been raised by almost {$1000.00} per month. Additionally, my property insurance premium increased, but I promptly switched to a new policy with a similar premium to the previous year. The insurance company I switched from sent me a reimbursement check for the canceled policy. 

I contacted Mr. Cooper 's customer service to request that the reimbursed amount be applied to my escrow account to prevent the significant increase in my monthly escrow payment. I was instructed to deposit the check into my escrow account and that a new analysis would be conducted to recalculate my monthly payment. I made the deposit on XX/XX/XXXX. 

Despite following these instructions, I was recently informed that the deposit did not affect the calculation, and my monthly payment will still increase by approximately {$1000.00}. This increase is unmanageable and seems disproportionate to the actual changes in my property taxes and insurance costs. 

I request that a thorough review and accurate recalculation of my escrow account and monthly payment be conducted. The current increase is not reflective of the actual changes in my expenses, and I am seeking a resolution to ensure my payments are fair and affordable. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Five derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as 60 days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each one of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by three different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over 50 and 40 points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Consumer complaint received 2023-07-14
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. (MD)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXXXXXX XXXX XXXXXXXX, # XXXX ; Account Name XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX XXXX # XXXXXXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

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 conviction 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.