davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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. 
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 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 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Dear CFPB & FCRA, I am submitting an complaint in regards to my previous complaint # XXXX with Navy Federal Credit Union XXXX XXXX Mortgage Solutions as it relates to complying and resolving my problem with applying for a Conventional Home Mortgage, the issues still remain. 

Navy Federal has assigned me to several loan and resolution officers forcing me to have serval different conversations of instructions, XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX after I clear presented in several written statements my disadvantages and need to use and apply my reasonable accommodations moving forward with my loan process, since the last submitted complaint I have been sent emails from different people as well as direct back to loan officer XXXX XXXX XXXX # XXXX for any issues regarding my loan. 
I am being giving different instructions by each and have become overwhelmed with XXXX  as I am a XXXX patient and have been XXXX so to the high amount of XXXX & stress with the purchasing of a home as a first time home buyer. 
Navy Federal Credit Union has brought great confusion to me triggering my XXXX XXXX XXXX XXXX XXXX 

They have also not processed other resolution requests to dispute the negative personal and inaccurate information reporting on my credit due to their lack of evidence and investigation to help resolve these issues, not to mention when I started this home buying process back in XXXX of 2022 my credit scores were excellent and have been sabotaged & deceptive throughout this whole process. 

According to the Fair Housing Act, Equal Credit Opportunity Act, and the CFPB and FCRA consumer protection it is illegal to discriminate against anyone seeking to obtain a mortgage, home equity, loan to build, repair, or improve a home based on, because of race or XXXX, religion, national origin, XXXX, marital status, age, XXXX XXXX XXXXXXXX ) and received income from any public assistance program and familial status. 
It is also against the law to discriminate and deny the rights of individuals with disadvantages under the XXXX XXXX XXXX the right to use any reasonable accommodations in m aiding them with work, school and any explanation orientation regarding discussion of patient information to reinforce any important topics. 
Because of the blind communication between several loan officers and Navy Federal agents, therefore I am demanding a resolution to work with a well experienced agent that is knowledgeable about the home buying process for first time home buyers for the duration of this loan at the Navy Federal Credit Union Branch in my local area at XXXX XXXX, Unit XXXX, The XXXX, Tx XXXX one on one particularly a woman who I can visually identify with and can walk with me in person step by step with consistency with great clear communication skills. 
The do not trust this previous agents as they have misguided me and disregarded my having disadvantages position and need. 
Please submit this request to resolve this resolution immediately. 

Respectfully submitted.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

I HAVE NO PAPER TRAIL STATING THAT I OWE THIS DEBT. I DONT EVEN KNOW THE REASON FOR THE CREDITOR ( BOARDWALK FOR AN APARTMENT I DIDNT LIVE IN. ALL I DID WAS DO THE APLLICATION AND PAY THE APPLICATION FEE. I NEVER HEARD FROM THEM AGAIN AFTER FILLING OUT THE APPLICATION. I DONT HAVE NO TYPE OF CLUE WHAT THIS IS REALLY ABOUT. I TRIED CALLING THEM COMPLEX ON XXXX JUST TO FIND OUT THE PROPERTY HAS BEEN BOUGHT BY A NEW COMPANY AND THEY HAVE NEW SYSTEMS. I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE. I'VE WRITTEN THEM A LETTER ASKING FOR VALIDATION TO VALIDATE THIS DEBT. THE LETTER WILL GO OUT TOMORROW ON XXXX. THIS HAS BEEN A NIGHTMARE, I DIDN'T FIND OUT UNTIL I TRIED TO GET AN APARTMENT FOR THIS XXXX TO RELOCATE FOR A BETTER PAYING JOB.
Consumer complaint received 2020-03-10
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. (FL)

I recently reviewed my credit report and I noticed that there are some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I also have no idea who would have access to my credit report. Now because of this, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-01-23
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. (FL)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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. (MD)

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Consumer complaint received 2023-02-06
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)

My name is 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 2021-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. 
On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. 
I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. 
The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.
Consumer complaint received 2021-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of XXXX, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

Our complaint has to do with the deferred balance on our mortgage of {$140000.00}. Because of the deferred balance, we have no equity in our home and would not be able to refinance to a lower interest rate mortgage. We have submitted a request for information to Rushmore Home Loans and they keep saying it will take some time to send this information, It has been over 3 months. 

This deferred balance was carried over from the previous servicer that held our mortgage. Several years ago, we could no longer afford our mortgage payment because due to the flexible interest rate, the monthly payments to an amount that we could not afford. After meeting with HUD counselors and other counselors and not being able to secure a fixed rate permanent modification to our mortgage with XXXX, to let our home foreclose. It never did. 

A couple years later, XXXX XXXX Loans bought our mortgage and we worked with them and they were able to offer us a permanent fixed rate mortgage. When we signed the papers for the fixed rate modification, we disputed a portion of the deferred balance. This is because a good portion of it was for interest that was incurred at the higher interest rate and had they foreclosed on us, we wouldn't have paid anyway and they would not have received that interest. We did not want to loose our home and we were happy that we were finally able to afford our mortgage payment. We have continually paid on our mortgage every month for several years now. With our busy lives, we had put this matter aside. Realizing that we are getting closer to retirement, we decided we needed to reach out to Rushmore Home loans, the current loan servicer. We requested how we can make payments on the deferred balance as well as a breakdown of what is included in the deferred balance. I have submitted multiple requests and they keep telling me that it will take some time. It has been over 3 months.

1. Deferred balance - We need to know details and also would like it reduced.

2. We need Rushmore to work with us so we can pay toward this deferred balance so we do not have to have a balloon payment at the end of the mortgage. We are 10 and 11 years away from retirement and do not want to loose our home. 

Thank you, XXXX XXXX. & XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

I had a Home Depot credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by XXXX XXXX  that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing XXXX XXXX since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.
Consumer complaint received 2020-03-10
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. (FL)

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Consumer complaint received 2021-01-14
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-01-14
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NC)

On XX/XX/2020 I sent LexisNexis a letter asking them for their method of verification for a bankruptcy account in which XXXX and XXXX  stated they verified this information about me from LexisNexis. On XX/XX/2020, I spoke with one of their customer service representatives who stated this was verified through the court. I then sent LexisNexis a letter on XX/XX/2020 asking them to remove this bankruptcy from my record. I included a letter from the court stating the court DOES NOT provide any communication with any credit reporting agency. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. In compliance with the FCRA 15 U.S.C section 1681 et seq, they have failed to verify this information within the required timeframe as outlined by the FCRA and I ask that they subsequently remove this record from my LexisNexis report. According to the bankruptcy court whom is the original creditor they DO NOT provide this information to LexisNexis. Because LexisNexis is unable to verify this information I request that XXXX  and XXXX  delete this information from my credit report as well.
Consumer complaint received 2021-03-12
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. (CT)

XX/XX/2020 I had to call Chase to dispute a product because the seller never provided accurate contact info and never responded to emails. I paid for the product on XX/XX/2020. I got the product but it was not the dimensions I had paid for. The representative on the call XXXX XX/XX/2020 XXXX advise me to hold on to the product and await further instructions/communication. The next communication I receive from Chase on XX/XX/2020 stated that my dispute was closed in favor of the merchant with several reasons listed including me not returning the product. I immediately called Chase and a different representative advised me to write a physical letter to Chase to reopen the claim and to return the product to the merchant. I then returned the product via XXXX to the merchant, wrote the letter to Chase requesting to reopen the dispute along with photos of the product I received and the paid invoice that describes the product as proof that I didn't get what I paid for which was XXXX and XXXX tracking number of the return. I was required to fill out a physical form and mail to Chase to reopen the dispute which I did with a note that I had provided all the information for the dispute already and to check my records/files. I received notice it was denied again for not having enough information from me and the charge of XXXX was put back on my account on my XX/XX/2020 statement. I would like to know why the resolution of both disputes for the same purchase was ruled in favor of the merchant for two different reasons and why they feel that the multiple photos, invoices, bounce emails I provided was not enough to show that I did not get the product I paid for.
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XX/XX/2021