davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

In XXXX I applied for a modification with Mr. Cooper and instead my payments went higher. Instead of helping me they put me further in. During Covid I was hospitalized and out of work for over a year and on XXXX. I go so sick that I had to resign and applied for a forbearance for the 18 months. Ended in XXXX, XXXX. Without my request they went ahead and submitted another modification which was rejected. I then requested a deferred and I've been waiting only to be told that it has been rejected but never informed. This company continues to violates my rights and others based on all readying I've done. I need help. Thank you and god bless.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (TX)

I have a problem with my XXXX XXXX credit card issued by Wells Fargo. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXXXXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via Wells Fargo payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account Wells Fargo XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only XXXX past due. This is another red flag that something is wrong with Wells Fargo credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that Wells Fargo has a motivation to make customer accounts delinquent and report false information.
Consumer complaint received 2022-05-19
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. (MS)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021, XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX : {$1900.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

As a federally protected consumer and an investor I have requested to opt out of any and all authorization I the consumer may have given JPMCB, written, verbal and non verbal per 15USC6802. 
15 USC 6802 ( b ) also is a prevision of the GRAMM-LEACH-BLILEY ACT XXXX GLBA XXXX that give customers the right to prevent financial institutions from disclosing their nonpublic personal information to nonaffiliate third parties. financial institutions must provide customers with their information sharing policies and a choice to opt out. 
Per 15 USC 6801 ( b ) It is in the policy of the congress that each financial institution has an affirmative and continuing obligation to protect the security and confidentiality of those customers nonpublic personal information. Non public personal information by definition is ( Identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer or otherwise obtained by the financial institution. 

I have given JPMCB written and verbal instructions as to my right and demands to opt out of any and all reporting to my credit profile but they continue to do so.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

This must be addressed immediately. Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as new damage when they have been charged off for a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report as missed payments for each month. According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IN)

My mortgage is currently serviced by Nation Star Mortgage. This mortgage debt was discharged in a Chapter XXXX Bankruptcy in XXXX. Since the discharge date, Nation Star Mortgage ( NSM ) has promised to re-establish a new mortgage note, but has never followed through. NSM has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX. Pro. No. XXXX, XXXX. # XXXX XXXX XXXX. XXXX. NY XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX XXXX. NSM is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. NSM has also refused to issue a restatement quote to me as well. They claim the balance due {$58000.00} and the past due amount is {$8700.00}. These figures appear to be severely distorted since the original loan balance was {$54000.00} in XXXX. I should be paying the loan in full at maturity in 7 years ( XXXX ). The overall distortion of the balance, payments and escrow are clear violations of RESPA as well. NSM has imposed a foreclosure sale date of XXXX and I do not want to lose my home. I feel cheated and deceived by NSM and I am seeking your assistance on this matter.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A hard inquiry appeared on XXXX credit report and was blocked on another credit report which was already frozen. The inquiry was made by Capital one with my contact information. I have open accounts with Capital one, but had not applied for any new accounts. Capital one did not tell me what information was used on the new application under my name.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2016-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Date : XX/XX/2021 Balance : {$3400.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc. (AL)

I had an XXXX  visit in XXXX, with no insurance, I paid half of what I was told to pay up front. The remaining balance I made payments on and set up payments, but I never had them taken from my account at the time. I was called continuously and I kept trying to get some kind of arrangement set up but no one was willing to help. 
I am also confused on when the date was for service and when I was supposed to have it paid.
Consumer complaint received 2022-05-19
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. (MS)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX  XXXX XXXX : {$1900.00}
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance in saving my home from foreclosure. I hired an attorney to help me with the paperwork. I was advised I am approved for a Making Home Affordable " Trial '' modification. I have contacted my lender on several occasions trying to find out the terms of the loan modification, rate ; term ; principal balance ; principal forgiveness or forbearance and maturity date. Thus far Bank of America says they have no terms and they basically refuse to discuss this with me. My loan is an option arm, negative amortization loan which worked against me for the past ten plus years. I feel the servicer should have these terms and my attorney states someone has the terms available, however they are simply refusing to discuss the terms with me.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One credit card has been opened for a total of 8 months now. Never over the limit, always on time and being used way under 30 % usage. I requested a credit line increase after 6 month received a notice saying account is to new. In the definition for account is too new, wait serval months before applying for an increase. I figured it was because 2 monthly payments wasnt made since those two months I had a credit balance and no payments due. Well a month later after 6 payments, and 8 months later I applied again for a credit line increase, got a denial notice stating account too new again. In the definition again for account to new, it says wait several months before applying for a credit line increase. In my book serval means 4-6months after an account is opened. So I called capital one and asked what is several months definition for capital one. The supervisor i spoke with said, several months is around 4-6 months. Let me see how long your account has been opened, ok I see here its been opened since XX/XX/2023. Ok, so if serval months is 4-6 months. Why am I still getting account too new and wait several months before requesting an credit line increase? Also, when asked to speak to her supervisor she tells me there is no one over her I can speak with. Denied my right to escalate my concern higher pass the supervisor level.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was being discrimination by their company system where poor credit remain in the poor section no matter how hard u work to keep a good record their system remain u in the poor section where they give u Lil tiny limit every year I was being treated unfair with consumer law voilated and damaged and during the care act when the covid was current we allow to extend 2 month payment during the covid difficult time but they still report as late payment to the credit bureau and ruin my reputation becuase of their system alway keep certain people at which level they allow to have high credit