davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-02-03
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KS)

on multiple occasions i have disputed inquiries on my reports by mail, phone and online. requests havent gotten the items removed. my personal information has been exposed in data breach ( s ) with XXXX, as well as other online affilates of CRA 's such as XXXX and similar websites. Also XXXX XXXX had a fraudulent inquiry on my report which has been addressed and removed. These inquiries on my reports unfamiliar to myself are circled in the atteched ducuments and need to be removed from my reports.
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

2017 I was 2months behind on my mortgage. I contacted a mortgage assistance company in NYC. They advised me to miss a 3rd payment which I now know is unethical, they took {$700.00} up front which is also a violation. They never had a lawyer oversee the Modification which is also a violation .I failed to review the modification and singed off on it assuming the company the bank and XXXX XXXX wouldn't take advantage of me. 
I went from a 26 year Mortgage of {$1900.00} per month to a 40 year Mortgage at {$2300.00} per month. Because I was behind 2 payments I am asked to re pay over {$500000.00} more for my home in the long run. 
I'm hoping I can get the Mortgage re-done where its more affordable and because the company represented me violated the law I'm also hoping this Modification can be thrown out .I 'm also looking to get me {$4900.00} back from XXXX XXXX for they're deceptive practices.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CO)

Applied for a wellsfargo business platinum credit card for the {$500.00} offer never received I was approved for {$10000.00} limit few months later I'd add signers for the credit card witch wellsfargo assigned part of my credit limits to the signers after overall spending I was able to complete the requirements for the promotions but wellsfargo says that I did not meet the requiremints for the promotions because I've add signers to my credit card, I am a personal representative for the credit card I should have a full control for the credit card
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

On XX/XX/XXXX I received an email that said my student loan relief application has been approved and that I did not have to do anything else. This has made me confused about the status of my debt as I am not sure if this statement was made accurately
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tennessee Quick Cash, Inc. (TN)

I received a small loan just under XXXX dollars. I was supposed to pay it on the XXXX when I received my monthly check I was confused about the start of the loan and missed first payment but the next month they took XXXX payments at once now this was not the original agreement the only reason they would have access to my bank is if I refused to pay I simply was confused on the actual start but I wanted to stay in good standing and I had the money in there so I let it go but I called them let them know I would call or come in for all XXXX payment and the woman I spoke to supposedly noted my account, I was then working for XXXX rideshare companies making good money and monthly until my vehicle was damaged due to a no fault of mine accident a d rear-ended and the At person was on a revoked license long story short I was screwed the insurance companies refused to pay this put me out of work so I contacted them to prevent any charge @ and still on the XXXX they instantly took there payment even tho I ask for them to let me pay over phone due to other automated payments for bills they caused my bank to overdraft witch ended up being around XXXX XXXX in fees so one again I called them I withdrew XXXX permission to have access to the account and ask again please let me pay with card but once again in XXXX they did it again causing another overdraft witch will end up at XXXX because of this I was unable to use my card as a deposit for a car to rent through my rideshare to work and so far XXXX paid more in fees to my bank thanks to them then my actual loan, well they called wanting a payment I ask the girl to XXXX XXXX pay XXXX on the XXXX that I needed my account for car and I would be a XXXX to pay more by working with me she tell me well you gave us permission when you signed up to take it and we will I only ask they work with me but after she said that I told her I'm withdrawal my permission to access and take from my account she became very nasty well if you XXXX that it will go to collections and we will sue you with attorney! I never said I would not pay but if they can't be willing to stop trying to take what's not there they will never get paid and I will just pay bank fees instead of them I only ask they waited til XXXX one extra day for payment and to nit access my account t she hung up on me refused to note my account and told me she couldn't withdrawal permission and I ask well who can and she threatened me again saying they would take it and I told her only government can take my check and that I would report them here and she hung up I can not believe they rather me fail and not pay them to retain access to account that will continue to have nothing, iv debt wish several employees with the same result I XXXX refused any payments and as far as I'm concerned would have been paid in full if not for the fees they caused when I withdraw my permission and they still did it
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-02-22
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)

XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00}, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, XXXX, T2 FINANCIAL Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion XXXX credit reporting agency. These items was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-12-04
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)

I sent in a dispute letter on XX/XX/14/2022 and didn't receive the desired results. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report. No consent is Identity Theft. 

How are these items still on my report if I never gave any written consent for them to be on there?
Consumer complaint received 2021-03-10
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. (CA)

Ive disputed this account XXXX XXXX XXXX with Experian multiple times and each time have submitted proof that XXXX XXXX XXXX is in violation for their inaccuracies with reporting per the FCRA. Ive submitted documentation showing how they repeatedly reported inaccurate payment history across all three credit bureaus and even so a letter signed by XXXX showing inconsistent and inaccurate information. The letter stated that the account was opened in XX/XX/XXXX but repossessed in XX/XX/XXXX in which this letter came from XXXX XXXX themselves. The account mentioned above has been disputed and everyone XXXX has not marked it as consumer Disputes in the comment section as they are supposed to by law per the FCRA whenever an account is disputed which is a violation. Experian continuously keeps allowing this wrong reporting even when provided with evidence of of such violations and inaccuracies. Across all three credit bureaus XXXX XXXX has not marked any of them as disputed and steadily be in violation. This type of reporting has caused great harm to my credit report and even so denied me a job with the police department which I will attach all evidence to this claim. I plan on taking affirmative action and to court to claim money for damages which is {$1000.00} per violation of such reporting continues
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCSPLUS INCORPORATED (FL)

I have an old account that just just popped up that was already settled with actual company, now it is on my credit report. What is concerning is what it shows. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX That is the company that is on the credit. However when you research XXXX XXXX XXXX they are based out of XXXX, Ga. The phone number associated with that account is NCS plus. 
XXXX XXXX XXXX This is very concerning as i feel that my personal information is being shared among other people not authorized and now are requesting access to payment even though it might be FRAUD. This should be 100 percent accurate however it clearly is not.
Consumer complaint received 2022-12-04
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. (TX)

I have asked the 3 major credit agencies to verify the information on the accounts listed on the attached 2 letters. XXXX removed all the same accounts because the information could not be verified. TransUnion and XXXX have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. TransUnion and XXXX just ignore sending me what they are required to do.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my report
Consumer complaint received 2022-02-22
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)

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2024-02-13
Product: Credit reporting 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)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Late Payment {$3000.00} XXXX  XXXX Late Payment {$0.00} XXXX  XXXX Collection {$0.00} XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2021-06-11
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: Bread Financial Holdings, Inc. (MA)

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft COMENITYBANK/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-22
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. (FL)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, XXXXI XXXX Balance {$2.00}, XXXX  XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX BANK XXXX Balance {$570.00}, XXXX XXXX CARD SER XXXX Balance {$1100.00}
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

In XXXX I was going to refinance my house and it was appraised for $ XXXX. I decided not to do it because I wasnt sure what my long term plans were. In early XXXX I was going to sell my house and had an accepted offer of $ XXXX. We didnt go through with the sale because Covid quarantine. During quarantine I decided to stay at my house and invested about $ XXXX in home improvements. Also during this time the market increased with everyone wanted to move out of the city to XXXX XXXX. In the fall of XXXX I decided to refinance since the rates were low and I wanted to do more projects in my house. I paid {$540.00} for my appraisal and the appraisal came back at $ XXXX. I called them and told them that it was impossible that my house decreased in value since everyones houses increased during covid and I did home improvements. I was told to send them comps from my neighborhood and also news article about the housing market in my area. At this point months have gone by. Finally in early XXXX they told me that I would need a new appraisal and I said ok if they paid. They said they couldnt pay for it but would give me a credit at the closing for the amount. Again I paid the {$540.00} for the appraisal and it came back at $ XXXX which I was ok with. I looked online and there was a new application number and I was then told I had to resubmit all my documentation again. I sent new payroll information and they told me they would transfer some of the other documents. I completed everything and then I never heard from anyone again. No one responds to my emails or calls. I just want my {$1000.00} back
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

Hi, I have a chase credit card and I used the reward points to book travel in XX/XX/2020. I booked 5 tickets for 2 of us from US and 3 of my family members who were to visit to XXXX. But with Covid, the plans got canceled. 
Now with the situation in XXXX being so bad, their travel definitely will not materialise so I asked for refund only.on those 3 tickets. 
However, chase says that they will not give the points back. 
And I got this response after following up multiple times although I requested for points on those 3 tickets as it is something which happened due to pandemic. So I now have credits for those 5 tickets But chase is still saying that even if I want to book the tickets I have to go through Chase. I have been requesting to give credits to my account because those are my credits as I booked using my points. And given customer service has been so unresponsive I want to cancel my card with Chase after clearing off the balance and after I get my credits in my account so that I can use them later. 
But even after multiple messages team is not.responding and just saying we will get back. This is extremely frustrating and I had no other option than to complaint with a govt agency. Request.to help you out Thank you