davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (CA)

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 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 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. Account : XXXXXXXX XXXX  account ending in XXXX amount XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was opened. Account # XXXX XXXX XXXXXXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXXXXXX XXXX contacted me we determined I wasn't the person XXXX opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account # XXXX XXXX XXXXXXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the cc company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatory. Account # XXXX XXXX  open date XX/XX/XXXX XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 corrected : XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC ()

I have received a letter from my original homeowner insurance provider saying that my lender did not pay for the insurance renewal. The insurance is now expired. I have requested Newrez to pay and provide statement for me to submit to the insurance provider but have not received anything from them.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 
Account # 's 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 an account without my written instructions.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Account was opened for almost 1 year. XX/XX/2022 would have been a year. 

I missed my XXXX payment because of XXXX. 

I paid on this account regularly throughout the year, sometimes paying {$200.00} per month to get the balance down. 

On XX/XX/2022, XXXX XXXX closed my account because they ran my credit report ON XX/XX/2022 and found unfavorable actions in my credit report. This is unfair because account was already opened and Ive been a customer for almost one year and making regular payments. 

I contacted the rep at lowes credit Card rep on XX/XX/XXXX, she told me thats why they closed my account on XX/XX/XXXX because they ran my credit report on XX/XX/XXXX and did not like what they had seen.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions 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 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.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions 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 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.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (MO)

XXXX is still harassing me for a settled debt from XXXX. 

Letter received from XXXX XXXX XXXX XXXX on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free XXXX XXXX
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

Southwest Credit called me about A debt that was owed to XXXX I disputed the validity of this debt because i paid this bill to XXXX internet in 2018. I never received anything after disputing this debt over the phone showing that this bill was owed. The next thing that I knew it showed up on my credit report and it was reported on my credit report as a new debt. I do not owe XXXX  they were paid. I have now established new service with this company after thisk bill was paid.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

On XX/XX/2023, someone used my name and email address ( and probably other info ) to open an account with Chime, the banking company. I knew because I received a welcome email. I reported it to Chime but it took several calls before they even admitted someone had opened the account. The only action they would take was to remove my email from the account. They refused to cancel the person 's account or report them to the authorities. All they did was ask the identity thief to change the email address on the account. I know because I soon received an email notifying me that the email address on the account had been changedto an email address still almost identical to mine save a few characters. The guy opened a fraudulent account yet their only response was to ask him to change his email address.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

" Citi '' would not help us with the recent Hurrican Michael in XXXX XXXX FL. We lost everything and were denied FEMA. ( Wife and I ) We Ask them to help and they said to call!! We LOST everything which means Everything. I am using strangers devices ... They said they could not help, unless I call. I Lost everything and all I ask for them to do is hold that acct until XX/XX/2018. They said to call again. I do not understand. how they think we can just call?? ... when one has lost everything. No internet. no cell service, no cable, no nothing ... I don't want bad credit for something that was out of our control. It's not fair & feels somewhat illegal. I will try to find another person ' device to check email please help PLEASE
Consumer complaint received 2022-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I would like to file a complaint about Loan Care mortgage company. I have previously filed a complaint about this very same issue ( XXXX ) but I don't believe it was properly investigated. I believe because of my original complaint with the CFPB that it was rushed and not thoroughly looked into. My original complaint is about a payment I made on XX/XX/XXXX that came out of my bank account on XX/XX/XXXX. I have attached a letter from my bank confirming that. From loan care 's end they reversed the transaction but I never received a refund. That payment was to be applied to XX/XX/XXXX. In their response to my first complaint they said that it was applied, but the payment history ( attached ) they sent me shows that my next payment made on XX/XX/XXXX which was a double payment was applied to XX/XX/XXXX and XX/XX/XXXX. I tried to reach the case worker multiple times to try to resolve this issue but have never been able to make contact with her. I have since opened a new ticket with loancare on XX/XX/XXXX but have not been able to talk to anyone who knows what is going on with this issue. It has been over 2 months and I have not had any resolution to this matter. It feels like they have stolen XXXX dollars from me and left me in a bind and that they want to take my house. I would just like this matter resolved and my mortgage statement brought up to date.
Consumer complaint received 2022-12-26
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. (MO)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Referance complaint XXXX. Received a precorded text message from XXXX XXXX XXXX, XXXX ext XXXX. Left XXXX responses leaving my telephone number were as we could discuss the problems with this B of A account. Last message to XXXX XXXX was sent XXXX minutes after XXXX XXXX XXXX time. Still no return call from him even after last call & my phone was left open in case he called. 
I have come to the firm determination I DO NOT NEED this Bank of American account. I had had enough of 5 months of playing games previously trying to get functional credit & debit cards to purchase important items such food from local grocery stores etc.,, or need XXXXXXXX XXXX XXXX from local bank ATM 's, & the ATM 's from varies ATM machines telling me the credit card won't work. Therefore I request for whatever it takes, please remove this accout. Thank You
Consumer complaint received 2022-12-26
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NC)

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 2022-12-26
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: GOLDMAN SACHS BANK USA (NH)

This is regards to my Apple Card ( Mastercard ) Went to a website that looked like usps, it was a fake site and charged my card on XX/XX/21 for XXXX for a change of address ( this is suppose to be only XXXX ) I disputed it over 6 times and each time I was required to provide them with a receipt to prove it was fraud, I never received any email or receipt because it was a scam. I never received any information from the fraud site so everytime it was recharged and not resolved in my favor. I called and spoke to a manger and still was told nothing could be done, I explained that a fake/fraudulent website is not going to give you a receipt or proof they it was fraud. I closed my Apple Card after a year of disputing this charge and they closed the account a left the following message on my credit report. ( Dispute resolved ; consumer disagrees, account closed by consumer ) which is odd because the dispute was never resolved.
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-04
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: TD BANK US HOLDING COMPANY (CA)

I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on XXXX XX/XX/XXXX on Nordstrom XX/XX/XXXX XXXX jewelry I did the claim for the other two news inquiries
Consumer complaint received 2024-04-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.