davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
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)

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Consumer complaint received 2022-12-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (IL)

My mortgage was transferred to Mr. Cooper. I have been trying to submit a payment with them and they told me they accepted it but they never took money from my account and keep sending me letters with default payments. I have recorded an automated system with the confirmation of my payment. It looks like their system is not working or they are doing it on purpose to get over my equity. I found multiple complaints from the other customers online on the same matter.
Consumer complaint received 2022-12-27
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. (UT)

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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 2024-04-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

On XXXX, I received a text message from Sunrise Credit Services stating that I owe a XXXX {$100.00}. I believe it is still XXXX XXXX XXXX still trying to collect on a debt that I DO NOT OWE. They are the only ones who have my information and now they are using a different name to collect on this debt that I DO NOT OWE. I will take legal action against them if they don't STOP.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I am writing to file a formal complaint against Chase Bank for failing to provide a complete debt validation response as requested under the Fair Debt Collection Practices Act ( FDCPA ). This is in violation of several laws, including but not limited to : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Chase Bank is obligated to provide accurate and complete verification of the debt upon request, which they have failed to do so. 

XXXX. Truth in Lending Act ( TILA ) : The TILA requires lenders to provide accurate and complete information about debts to borrowers, which Chase Bank has not complied with in this instance. 

XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations : Under CFPB regulations, debt collectors, including Chase Bank, are required to provide consumers with clear and accurate information about their debts, which has not been the case in this situation. 

I urge CPPB to investigate this matter thoroughly and take appropriate action against Chase Bank for their non-compliance with debt validation laws. Thank you for your attention to this matter.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, My son, XXXX XXXX, with whom I have a joint account, contacted me something about overdraft to cause an alert and check my accounts online. The overdraft protection was performed to our joint account. I checked my account ending XXXX. I found two overdraft protection which went to accounts ending XXXX and XXXX. Both transactions were considered under the term of overdraft protection. However, I found out 2 transactions, which were deduced {$30.00} twice. The descriptions of one transaction were overdraft transfer hold to account # XXXX and another one was Debit/hold on XX/XX/20. I can understand overdraft transfer hold to acct # XXXX ; however, my account XXXX should have overdraft protection, instead of overdraft alert, because of combined tiers of accounts. Therefore, this charge of {$30.00} should be void. And another {$30.00} charge, which description was debit/hold on XX/XX/20, is honestly unclear ; because I did not use debit card, and this account ending XXXX is a saving account not checking account. And my account ending XXXX has pending credit {$30.00} on XX/XX/20, which I do not know how to understand in total. I just need your explanation on entire transactions written above. 
Sincerely,
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

In XXXX I started the short sale process with Select Portfolio Servicing. 

SPS requested a BPO on my property that was made on XX/XX/19 and the banks appraised value was $ XXXX. The buyer presented an offer of $ XXXX and is willing to increase the offer to match the bank 's appraised value. However the bank is now stating they are aware the value is $ XXXX but they want $ XXXX. This is bordering on consumer fraud and not acting in good faith. They are wanting a higher amount than the value of the property. If they were lending to the buyer, they would NEVER give the buyer a loan for $ XXXX for a property valued at $ XXXX. This is ludicrous and forcing me into foreclosure. PLEASE HELP ME. This is my second request and I have no where to turn.
Consumer complaint received 2022-02-21
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. (MI)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX Balance XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX  Date of inquiry XX/XX/2021 Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed
Consumer complaint received 2022-12-27
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. (NY)

On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, XXXX, and Experian regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, Equifax, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TN)

On XX/XX/XXXX, of 2019 I mailed a letter to National Credit Audit Corporation in regards to them trying to collect {$760.00} that I allegedly owe to XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX XXXX. I asked them to provide documentation that proves that I owe {$760.00} to XXXX XXXX XXXX  and they were unable to. They mailed a description of charges and amounts but nothing the proves that I owed this amount amount at the conclusion of my lease. This company is horrible and has not attempted to resolve this issue.
Consumer complaint received 2020-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (IN)

I called riverbend on XX/XX/2020 to settle this account as paid in full since I paid the amount I borrowed plus extra. So far I have paid XXXX and there will be another payment coming out on XX/XX/2020 for XXXX. Which will make my total XXXX. I believe this is predatory lending.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please Help on XX/XX/1922 I called XXXX to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from XXXX is telling me something else and stating that this inquiry is to remain on my credit file? XXXX is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA began blocking my calls demanding I verify text or email codes I am unable to do while on phone due to my Disabiliry USAA provides NO ACCESS ON LINE AND BLOCK CALLS REQUIRING my deformed painful hands retrieve codes I am unable to do A pin # used to get me access NOW CALLING I HAVE NO ACCESS ALSO I AM VICTIM OF IDENITY THEFT THIS IS RETALIATION because I used to have phone access When I try to resolve Fraud from XXXX they block me. NO ON LINE ACCESS NO PHONE ACCESS
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (DC)

Southwest credit XXXX keeps restarting the clock on an old debt. I havent had XXXX since XXXX and on my credit it says XXXX which is false, also they are saying I owe a higher amount than what I actually do. Its ridiculous.
Consumer complaint received 2022-12-27
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: Chime Financial Inc (NC)

My spending account was hacked on XX/XX/XXXX, from someone I've never heard of or did business with, and they still refuse to resolve this issue. Date given was in XX/XX/XXXX. The only number you can call is their Customer Service at XXXX ( XXXX ) XXXX only to speak with people with heavy accent that you can't understand, be transferred to one department to another, and be told a different or the same scripts. The transaction is so obviously a scam! Can not reach anyone that I can escalate this to. This company has THE WORST customer service ever. This is my only card I pay bills & use. They took {$680.00} that I was informed will be put back after 10 business days, I still can't use!!!!
Consumer complaint received 2022-02-21
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 so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. EQUIFAX has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting EQUIFAX and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. 
It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 
I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol one has breached the cease and decist AGAIN I've asked only to be emailed anything and they sent a letter to my house AGAIN saying I am behind and they still owe me money and still have yet to readjust my account they're still a bully a XXXX  and a XXXX and I want nothing more than for them to be shut down for crimes against humanity! These people DONT stop and need to answer to all of their excessive fees and over contact!!! I've had enough!!!! Investigate these XXXX and fee them for every single letter and text message they send even after I've requested them to CEASE AND DECIST and I say again CEASE AND DECIST stay XXXX XXXXXXXXXXXX out of my mailbox and stop pestering people!!!! The government needs to send a powerful man that demands answers NOW and there still is XXXX change and this company thinks they are above the law and laugh at government cause they're not putting capital one in check and that they think they can do whatever XXXX  XXXX they want without consequences and someone needs to put them in their place because all the XXXX they've been doing is outrageous and makes me want to rip somebody a new one I can't enjoy the holidays and have it peaceful for these XXXX people to keep sending letters to my house!!?!?!? After a cease and decist is requested by law they have to follow it and they're not doing a good job doing so! They've raised interest again and won't budge and treated my complaint like it was not even XXXX on the ground. Come on government they're laughing at you stop letting people get away with this XXXX! They must answer and need to readjust my account STOP XXXX FEEING ME I HAVENT USED THIS XXXX  CARD IN OVER A YEAR!!!!! WHY MUST CAPITAL ONE BE THIS DENSE??!?!?!?!
Consumer complaint received 2022-12-27
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-02-21
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-12-27
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. (PA)

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. 

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 XXXXXXXX XXXX XXXXXXXX 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 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.