davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

From  XXXX   XXXX  to  XXXX   XXXX , I have tried to reach asset manager at  Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of  XXXX   XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package  Bayview Loan Servicing w as suppose to be sending since  XXXX   XXXX . I had obtained Homeowners insurance from  XXXX  and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager  XXXX   XXXX  and  XXXX   XXXX . It is important to note the homeowners insurance we signed up for at  XXXX   XXXX  is {$2500.00} lower than the forced placed insurance  Bayview Loan Servicing place d on our account.
Consumer complaint received 2023-03-17
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. (GA)

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 XXXXXXXX : 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 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 2022-05-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-19
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX - XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

The complaint XXXX is not resolved. The Bank asserts giving me a credit of {$400.00} however my debit balance was not reduced by that amount. I asked for an audit and I have not received the results of an audit. I did not have a second dispute and I do not want to pay {$400.00} again. Please remove this charge from my records otherwise close my account.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

I received a letter today, XX/XX/2020, dated XX/XX/2020, from JPMorgan Chase Bank @ XXXX XXXX XXXX, XXXX XXXX, TX, XXXX stating the following : " Thank you for your interest in opening an account with us. Unfortunately, we've decided not to open an account for you. '' The letter from Chase goes on to say that the denial was based on my credit rating from XXXX dated XX/XX/2020. This hard pull on my credit report was not the result of the initiation of a credit application on my part. I did not initiate a credit application with Chase Bank and I did not ask to do business with Chase Bank recently. Therefore, Chase fradulently ran a hard credit pull on my credit report/rating without my consent. The letter includes my credit score, so this was a hard pull. Please ask Chase to provide proof that I initaited a credit application with them to justify this hard pull on my credit. 

I ask for the assistance of the Consumer Financial Protection Bureau in holding Chase fully accountable for this violation of my rights as a consumer. It is my understanding of the law that companies can not make hard inquiries on a consumer 's report without his or her permission and without the consumer 's intent to do business with the company.
Consumer complaint received 2020-12-20
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. (MD)

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, experian, XXXX credit report And XXXX sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Consumer complaint received 2021-02-16
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: National Credit Systems,Inc. (GA)

On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was notified on XX/XX/21 by Capital One about two suspicious charges on my credit card - one for $ XXXX and the other for just under {$100.00} ( over {$600.00} total ). I confirmed with the Capital One rep that I did not make those charges. I was advised by the rep that both charges were made at an out of state XXXX in Maryland ( I live in Texas ). I have not been to Maryland nor do I have family that travels to Maryland. 

Several days later on XXXX, Capital One placed those two charges back on my account stating they could not validate these were fraud. I contracted customer services and was transferred several times to supervisors but told their decision stands and I would be held responsible for these charges. I was also advised that nothing more could be done to dispute these. 

Can someone help escalate this dispute? I don't know what to do in this case.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I got this in store credit card from XXXX XXXX but the company that issued the credit card is Citibank N.A.. From the start there was concerns as I was getting emails from them and in the body of the email it would say things like, Hi XXXX XXXX or Hi XXXX XXXX I was not able to login to the website to see my account information. I called them about this and they said they corrected the problem. The next time I went to use the card the account was locked and a message informed the check out person to call a number. I called them 3 different times over a month on XX/XX/XXXX, XX/XX/XXXX, XXXX at either their Customer service : XXXX ( XXXX ) XXXX or Credit card support : XXXX ( XXXX ) XXXX. On XXXX I requested to speak with a supervisor and got the same response. They won't let me cancel the account because they can't verify the phone number. They say they will call the number on file within 2 hours and this is how they verify the account. I gave them my number and asked if that was the number on file and they said Yes it was, but they never called me back to verify. Not within 2 hours. Not within 2 days. They never called me and we went through this 3 times. Card can't be used but neither can it be cancelled. The account must be tied with at least 3 other accounts as I have gotten 3 separate emails with 3 different persons names referenced in the body. I truly believe they are opening accounts and putting them in this state so they don't have to service the account but can use the accounts personal information for business purposes. 
There can be no other explanation as to why they have this ridiculous procedure of calling a telephone number within 2 hours to verify an account especially when they never call. I don't want Citibank to have an account for me and I don't want them to have my personal information.
Consumer complaint received 2020-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I called Freedom Mortgage on XX/XX/XXXX to request an excess from our escrow account to be refunded. I was told the escrow excess would be sent in a check via 5-10 business days. I called back on XX/XX/XXXX and was told by the agent that the analysis was never completed or requested. I can see online that there is an excess, and it needs to be refunded. This has been 30 days since to get a simple formula let alone the money.
Consumer complaint received 2020-12-22
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)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2023-03-17
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. (TX)

In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a 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 TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 the information is inaccurate
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

In XX/XX/2019 my HUD counselor and I were told that a modification on behalf of my mortgage was approved and to expect the paperwork to arrive within 7 days, unfortunately that never happened and subsequently I was served with foreclosure papers. I am being charged excessive fees with no remedy to catch up or arrest the bombardment of fees and the ruin of my and my family 's financial life.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (MO)

After looking over my credit report there were inquiries being reported on my credit report by Experian. 

1.XXXX  -- XX/XX/2019 2. XXXX XXXX  XXXX-XX/XX/2019 3.XXXX XXXX  XXXX-XX/XX/2019 4.XXXX XXXX XXXX-XX/XX/2019 5.XXXX XXXX XXXXXX/XX/2019 6.XXXX XXXX-XX/XX/19 7.XXXX XXXX-XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

Original Creditor : XXXX XXXX XXXX XXXX {$260.00} Amount Claiming Owned *** XX/XX/XXXX XXXX Date Reported On My Credit Profile *** Requesting *** VOD *** Validation Of Debt FCRA Sections XXXX XXXX ( a ), XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

It has come to my attention that Vance & Huffman recovered a payment for a debt that I never owed.Vance & Huffman reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If Vance & Huffman had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Vance & Huffman collected. Vance & Huffman had no legal right to attempt to collect a debt as I never authorizedan account with XXXX XXXX. Vance & Huffman never validated this debt nor sent me a notice of collection. I have learned that Vance & huffman is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (PA)

I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-09
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. (AR)

I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (GA)

I see four hard inquiries on my credit report for which I'm unaware of those inquiries.

1 : XXXX XXXXXXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards
Consumer complaint received 2021-02-16
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: HSBC NORTH AMERICA HOLDINGS INC. (MI)

My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WI)

I have several citibank account and used their online banking and mobile app. One day, none of my logins work and I continuously get prompted to verify my identity. I contact them, wait a few hours with technical support, talk to 4 people and they can not figure out the problem, they suggest try again in a few days. 

I try again 5 days later and there are still no fixes.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (NY)

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 3 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT