davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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, 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 2022-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

Someone impersonated me and stole my information and opened up a credit card in my name with JPMCB ( CHASE ) resulting in a {$4400.00} debt and credit damage. Numerous people stayed and still stay in my house since XXXX.When I wasn't home or around they all had/have access to my mail box and personal living space inside of my house which contained all my personal information. 
At No Time has Chase ever spoke to me because I've never called you on no date, for any reason concerning any XXXX account ending with the numbers XXXX. 
Also The phone that contained the number XXXX XXXX XXXX was lost or stolen several different times since XXXX, and also was not my primary number. 
I have multiple debit cards reported lost and/or stolen since XXXX and have not always been aware of all the transactions made with them or on them. 
For all of the reasons above, and the additional fact that I do not owe this debt due to Identity
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was reviewing my credit report with Transunion and discovered there are phone numbers on there that are incorrect and should not be listed. I initiated a dispute on XX/XX/XXXX and requested they be deleted from my report. On XX/XX/XXXX I received an email informing me the results of my dispute were available for me to view. I looked at the results and saw that the phone numbers I requested be deleted were still on my credit report with the reason listed as " information updated '' however if the information was updated why are the numbers still on my credit report if they are not accurate?
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (CA)

I just want to clear that no one is doing any kind of fraudulent activity on my accounts you have my authorization to remove anything other than what I am putting today XX/XX/2019 American express has been giving me the biggest headache Im trying to verify myself I have verified myself over and over you could reach me at XXXX my other numbers are no more longer in service
Consumer complaint received 2021-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have current Home Loan With XXXX XXXX This Mortgage Company Previously working under " XXXX XXXX  XXXX '' Old A/C # XXXX and new is same, also Mortgage company address is same. Just They Change NAME I request XXXX XXXX  company to remove old Account Name from My Credit Report. 
they sent request all Major Credit Bauru 's. XXXX  and XXXX Delete That Account from my credit file. But This Credit Agency since last three months did not reply or delete this account. i sent them more then 5 request by mail and one Certified mail conformation # XXXX dated XX/XX/2021 which they received on XX/XX/2021 its more then 30 days no reply no comply its a Violation of FCRA laws
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-15
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. (VA)

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX ; Acc # : 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 or 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 data is inaccurate.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CT)

I contacted the company on several occasions letting them know that I did not receive my bills. The company did not fix the error and continued to bill me later fees. I explained to the company that I was affected by the pandemic and that I was out of XXXX and moved into a smaller area. The company continues to say that the late fees are valid even though I never received my bills. I was relying on others to pay the bills. The company does not care about consumers ' financial hardship and never offered me a program for covid relief.
Consumer complaint received 2021-09-08
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. (TX)

Identity theft has happened to me. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

During the time of closing, we provided our mortgage company with documents for our home owners policy insurance. This was uploaded via a web portal provided by the loan company. However, upon closing, the mortgage company decided, without our consent, to issue a home owners policy through their preferred insurance company who is affiliated with the loan mortgage company Loan Depot. The insurance company is XXXX XXXX. However, we had provided documents for home owners policy issued through XXXX XXXX. At this time, we have 2 home policies, 1 that was put forth without our consent. The XXXX that we did not consent to is the one loan depot decided to place in our escrow account and pay out. The insurance company, XXXX issued a policy as well ( per our request ) and has an outstanding balance. Loan Depot decided to go with their preferred insurance agency as they have a contract and incentive tied with XXXX XXXX without our consent and without us ever even speaking with a XXXX XXXX representative through phone, email, or text message. Loan Depot initially stated they would look into the matter but dragged their feet. It wasn't until we stated we were going to file a complaint that a regional manager reached out. Unfortunately, loan depot engaged in unethical practices. In our closing documents, XXXX is stated as our insurance provided. Yet, at closing and in our escrow account, they issued XXXX XXXX as the insurance provider.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX 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 correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} )
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXXXXXX XXXX # XXXX ) Has violated my rights 2- ( XXXX XXXX  XXXX XXXXACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX, XXXX./Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Consumer complaint received 2021-06-25
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. (PA)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MN)

An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. 

I did not authorize the payment in question. 

I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

My student loan amount has risen to {$110000.00} and the University XXXX XXXX has unofficially dropped me from the school when I only have 9 credit hours left before I can graduate. {$110000.00} is far too costly for any college education. This is ridiculous to charge a person this much. I am hoping that a large portion or the full amount of this loan be forgiven. The University XXXX XXXX and XXXX XXXX XXXX is ripping me and I'm sure others off with these high college tuition rates. Please forgive this loan and return some of the money spent.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Collection agency portfolio recovery associates XXXX .acct # XXXX .Please escalate to have this collection removed not mine all my current debts are paid in full.This is inaccurate and outdated fraud collection agency my bankruptcy was over 20 years ago all accounts discarded in bankruptcy.This collection agency is sending out old outdated information not my accounts would like them to cease from sending.
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I financed XXXX through Paypal credit under a promotion offering 24 months interest free. On XX/XX/XXXX I financed around XXXX with a promotion of 6 months interest free financing. I wanted to pay off the balance with the 6 months interest free prior to the interest kicking in, so I made an XXXX payment on XX/XX/XXXX. Paypal applied the XXXX to the 24 month interest free loan instead of the loan ending in 6 months. Leaving me with 5 months to come up with the remaining XXXX before the interest kicks in. This seems like a deceptive practice as any other banking institution that I know of would apply the funds to the balance with the promotional period ending soonest, but Paypal states they apply the payment to the loan with the lowest APR first, or in this case the longest promotional period. So, they pay off loans that are at 0 % interest leaving you with loans that may be charging 19 % or more. This should not be allowed as it is unethical and stealing from consumers.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A collection popped up on my report and I disputed this with the creditor more than 30 days ago and they have not removed or responded to my dispute. XXXX has removed the collection and XXXX has as well.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TX)

In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.