davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX XXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX  XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance  {$160.00}, XXXX XXXX XXXX XXXX  XXXX XXXX {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX XXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX  XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX XXXX {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$270.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

1 ) I have refinanced my house, after a few months my mortgage was sold to a 3rd party mortgage / collection company. 

2 ) 3rd party received my payments but did not post to my account. 
i have shown proof of payments but they are refusing to make corrections. 

3 ) i have disputed with 3 credit bureaus but mortgage company did not agreed to make correction. mortgage company insisted to keep negative report on my account. 

4 ) later mortgage / collection company made correction for the first 2 months and kept negative report for the 3rd month. 

5 ) i have resend all my proofs with new dispute letter to credit bureaus, one of them has corrected my account and i am waiting for the other 2 6 ) mortgage / collection company did not post my latest payment ( XXXX ) i was concerned to get additional negative report. I have called-in on XX/XX/XXXX and changed payment method to " monthly auto ACH '' to replace my check. mortgage company took the ACH payment and also cash my check at the same time. They took 2 payments and advised me that the additional payment has to go for the month of XXXX. 
am i getting reimbursed for the early payment and additional interest paid? 

7 ) On XX/XX/XXXX, I have requested again credit correction, the mortgage company replied on XX/XX/XXXX and XX/XX/XXXX that they have received my request and they are reviewing it. I have not received any reply -- -- -the week of XX/XX/XXXX ( don't have exact day ) I called the mortgage company again, one of the operator inform me that they are making correction to my account and it may take over 30 days to see any changes. Previously I was told by one the supervisors that the only acceptable correspondence is via e-mail directly with accounting department. I have then sent a new e-mail requesting update/ correction on XX/XX/XXXX. 

8 ) As of today i don't have any written notice of the correction for my account. 
my credit score is still below average. 
I was unable to get new financing due to my credit score. 
I have lost many work hours trying to correct my credit for almost 3 months I am suffering with anxiety and stress trying to make this correction I am extremely dissatisfied with this mortgage / collection company, they did not make correction when i have showed them from my 1st e-mail that the issue is their company 's processing, it seems like they are more of a debt collector / collection company not a mortgage company. 
i hope someone review this matter and help me correct this issue and also protect other consumers from this type of financial and stressful harm.
Consumer complaint received 2023-10-17
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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: CBC Companies, Inc. (TX)

This company Refused to respond back to multiple letters that were sent out more than 4 months ago about the account number ending in XXXX XXXX XXXX XXXX. I wrote to Innovis requesting that they send me the information that was used to verify this account such as the complete list of documents with names and contact information and employees that they spoke with during this investigation and they refused to do so. This company is in violation of the FCRA guidelines. I want this account deleted from my files for failure to validate the debt.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I get my report and I saw capital one account has opend under my name that account wasn't belong to me and account is fradulent,, CAPITAL ONE date opened XX/XX/2023 /// balance : {$320.00} I never applied
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (CO)

On XX/XX/XXXX, I closed on on a cash out mortgage refinance through SoFi to lock in a lower mortgage rate as well as consolidate a SoFi personal loan. The refiance was funded and cash was sent to pay off my old mortgage fairly quickly ( by XX/XX/XXXX ) but my SoFi personal loan has not been funded yet. My understanding was that funding should occur fiarly quickly after a 3 day waiting period after closing. I also understand that the longer my personal loan is not funded, the longer I am being charged interest on two loans.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (WA)

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 2022-05-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, AND XXXX XXXX Account # 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 2022-05-31
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2022-05-31
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2022-05-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act 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 instructions15 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 2021-06-16
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. (PA)

The following account does not belong to me. I have reached out to Transunion, XXXX, and XXXX  several time via mail in reference to this matter. 

XXXX XXXX XXXX acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX amount- {$250.00}
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vision Financial Corp. (MI)

I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 2022-12-17
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I am continuing to get monthly statements that are affecting my credit. My purchase was cancelled before it even arrived. They continued to charge me for shipping and interest. I paid that to get them off my back but they are now calling again. Ive spoken to multiple people there that confirmed the account should not be active.
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NC)

Hi, I received a letter in the mail with a check from Wells Fargo, that relates to the ADMINISTRATIVE PROCEEDING File No. XXXX. I am not satisfied with this settlement as Wells Fargo damaged my credit score, charged me Incorrect late fees, and incorrectly calculated my loan payments. All of this created suffering for me and my family. Why is this money not being charged on interest that they stole from me? Why am I not getting payments for damages caused to my credit report that could have affected me getting another line of credit or lower interest rates? Please let me know who I can contact about filing a lawsuit for this. Why was Wells Fargo let off so easy?
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (FL)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-19
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: Experian Information Solutions Inc. (TX)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

Chime recently just closed my account and with no reason I have funds on the account I cant access XXXX is on my account I cant access it i started banking with chime XX/XX/2020 and been receiving unemployment benefits XX/XX/2020 they closed my account and gave me no reason to why please help its XXXX I have XXXX small children which are under XXXX years old my children XXXX is ruined
Consumer complaint received 2017-07-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

There was unauthorized purchase on XXXX XXXX $ for XXXX XXXX XXXX sim card. Bank of America did n't start investigation after my dispute 2 months. After I called and ask for actual check they started investigation and completed in 1 day and declined it without investigation. When I called them they even could n't provide me a reason. I called to Bank of America 4 times after that and they just ignoring.
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (NJ)

On XX/XX/2022 I had a ambulance service, and I received an invoice from XXXX XXXX # XXXX XXXX NJ for " XXXX XXXX '' trip number XXXX, I paid the amount by bank check. I had another ambulance service on XX/XX/2022 and I received an invoice from XXXX XXXX. # XXXX XXXX NJ for " XXXXXXXX XXXX XXXX' under trip number XXXX, and according to our agreement of payment, I am paying by credit card monthly. 
Then I received a letter from CMRE " dept collector '' saying that I have a dept to a company called " XXXX XXXX XXXX XXXX '' for a service dated XX/XX/2022 and XX/XX/2022 which is never billed to me. I called them I I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and I explained that I don't know this company and they are using the dates which I had a service from another company. Also I mailed them. 
I received another letter from CMRE mailed XXXX including some computer printout. I am scared they obtained the records of " XXXX XXXX " and they are using. I need a help. 
Thank you. 
Kind regards