davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (CO)

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 Bank 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 XXXX 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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Consumer complaint received 2021-12-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XXXX XXXX from Carrington mortgage contacted me in reference to refinancing my loanI an currently in forbearance due to COVID-19 XXXX XXXX He said that I owe XXXX in back taxes and this has to be paid before it refinance The only problem ids that because my loan is in default the money can not be taken out got my checking account He gave me an option of putting the money on XXXX Visa cards for XXXX. XXXX. XXXX total XXXX I was told by my bank that this us a scam and did not give him any money He left me several messages trying to pressure me into giving hint the money In his final statement he said that he was going to issue me a legal notice According to Carrington mortgage making a payment with XXXX XXXX is not an option. They would never ask for money upfront and never pressure me for money XXXX XXXX has called me and left several messages which I saved and regarding the XXXX in back taxes He has given me until Monday XX/XX/21 mornings to pay the XXXX with XXXX XXXX card
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through XXXX. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the XXXX agreement we have
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CapitalOne has assessed fees and fines on my credit card account that are in error. I have on a number of occasions spoken with numerous representatives in the Disputes Department regarding this issue, as well as providing evidence to the Bank that it is responsible for the error that has led to the present state of affairs, and requested that the Bank correct the situation, all to no avail. This situation began when I attempted to place into dispute a {$49.00} charge made by the merchant XXXX on XX/XX/XXXX. I subsequently paid the renainder of the statement balance in full. However, the Bank made an error when it placed another charge from another date in dispute ( please see attached document- {$100.00} charged on XX/XX/XXXX ). It thus appeared to the Bank that I did not pay my credit card statement in full, thus initiating subsequent late fees and interest charges. The Bank has refused to take any corrective action. I thus seek the assistance of the CFPB in getting CapitalOne to take responsibility for its ' error and to waive all outstanding fees on my account.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MI)

I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Works & Lentz of Tulsa, Inc. (OK)

I XXXX XXXX XXXX pulled my credit information and noticed Works and Lentz Law Firm In XXXX Oklahoma has been reporting false information on my credit report. I have the case in XXXX Court filed on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX that case was dismissed by Judge XXXX XXXX XXXX on XX/XX/XXXX for the foregoing amounts which are still on my credit to this day amount {$2600.00} was opened on XX/XX/XXXX, another in the amount {$140.00} opened on XX/XX/XXXX, another in the amount {$100.00} opened XX/XX/XXXX, another in the amount of {$100.00} opened on XX/XX/XXXX these are on my credit report to this day. This is case # XXXX, XXXX County, I Could not figure out why I am unable to buy a home a car or anything, my credit has been ruined since XXXX, this is three years of ruined credit that is {$3000.00} this is a Violation under so many FDCPA Laws and Fair Credit Reporting Act. I would appreciate your help in this matter.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I have XXXX tradelines on my credit report XXXX and XXXX XXXX, both of these tradelines are reporting accurately with XXXX and XXXX. I have asked Experian multiple times to please update their reporting and apply this tradeline to my credit profile. They have failed to respond to my multiple request.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for a small business credit card for my company. I have a XXXX credit score and was told I had poor credit. What is the problem with American Express and many US CCs is their XXXX practices. They credit system is setup to make people of XXXX jump over high hoops to prove their credit worthiness. I have had a platinum card with American express for 3 years and have never been late and paid down my credit over 50 % but never not once have they increased my credit. They make up excuse after excuse. I have asked them credit increases and they continue to deny me. First I have underutilized credit, then not enough credit then using too much credit. Regardless of the effort my last name tells them that I am XXXX and they use that against me. Even during COVID19 I asked them to work with me when my company experienced challenges. They refused and later only halted interest while forcing me to make my monthly payment. When I spoke to the American Express agent she said I had poor credit. When in reality I have had stellar credit. The CFPB needs to hold the XXXX practices of these white endowed process to account. I make over XXXX but still cant get American Express to raise my credit profile. That is XXXX and they should be held account for practicing systemic racism against their card holders!
Consumer complaint received 2021-12-23
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: DISCOVER BANK (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DISCOVERBANK account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with 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.

( DISCOVERBANK XXXX )
Consumer complaint received 2021-02-10
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. (PA)

I submitted a statement requesting for these accounts to be blocked and deleted due to fraudulent activity. 

XXXX XXXX  Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX Acct no : XXXX Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I paid off my auto loan with Santander on XX/XX/2019 after 29 months of payment. My payment was a weekly payroll deduction. Upon paying off my loan Santander reported me late for the month of XXXX. I am attaching payment history that shows my weekly payment history for the past few months and proves that I was not late in XXXX. I would like the rating changed immediately as I am in the process of buying a home and this is severely affecting my ability to qualify for the loan. 

XXXX XXXX refuses to confirm balance information that they sent me with the credit Bureaus and they are reporting that I have 2 accounts with them. I only have 1.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-05
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. (FL)

My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

I did not receive a {$200.00} bonus coupon code until XX/XX/19 & when I opened my account with a {$100.00} deposit I then set up my direct deposit from my jobs website. Now Im being told the coupon is only valid when first opening but that was not clear when I called before opening the account or upon visiting a brand for my {$100.00} deposit into the checking account.
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I found a debt collection from IQ Data International in my account. It opens on XX/XX/2019. Original Creditor name : XXXX XXXX, CA. I have no idea what is the amount and what is that for. I submitted the dispute to the credit bureau already but it doesn't work and give me an explanation.
Consumer complaint received 2023-04-07
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CA)

I was alerted via a credit monitoring service that a late payment was reported to an account. I investigated and found that personal loan company Upgrade, whom I had paid off entirely last year, and had no late payments ever on, had sent all the bureaus notifications that I had XXXX 180 days or more late payments. After the shock wore off, I immediately reached out to Upgrade and received an email that admitted their error in reporting false information and that they had " taken steps to correct the information with all 3 credit agencies ''. I was in the process of purchasing property, my score tanked and I has to withdraw my offer. After working so hard to have the best score to actually buy the house of our dreams, we lost the house over this. I filed disputes and XXXX closed their case after sending me notice that the " creditor certified their reporting ''. I was livid! I have an email from Upgrade stating they made this mistake and that's not good enough? This is outrageous, I was never late, even over COVID because I protect my score, it's so important. This has caused me egregious harm and no one seems to be listening. My payment history is 100 % with Upgrade and their emails saying that they are 'working to correct the issue ' are just lies at this point because they certified the lates with XXXX after I filed the dispute to correct this- which they also told me to do. My payment history is not a secret and it is a simple fact that is indisputable, so please someone, correct this inaccurate reporting so I can have my score back!
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lien Enforcement Inc (CA)

Im on XXXX this collection agency wasnt given permission to take money from my XXXX  debit account yet did anyways. They took 800 $ illegally there was no consent and its ssi money They took {$300.00} and {$500.00} from my account The company is http : //www.lienenforcementinc.com/
Consumer complaint received 2021-12-05
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. (FL)

My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! 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. 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 2020-12-02
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. (VA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent a letter regarding inaccurate & unknown things on my credit report. To this day over XXXX days later I have not received a response yet. Section 611 ( a ) it is plainly sated a failure to investigate these items in XXXX days gives a reason to immediately remove those items from credit report. It has been over XXXX  days so they should be deleted promptly. My information was also impacted by the XXXX data breach & may have got in the hands of the wrong person.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I received a statement saying they are now servicing my home loan. I responded that I currently have 2 forclosure cases going on at same time. One from XXXX and 1 from XXXX for same exact thing and I do not acknowledge this dept. They responded with a package of " my loan documents '' and claim I do in fact owe them the debt. I decided to go through what they sent me page by page and compare it to the documents submitted in XXXX case and XXXX case. In XXXX papers a blank undated allonge appeared that was stamped by XXXX XXXX and a transfer of mortgage signed by XXXX XXXX. Both are known, prosecuted robot signers and document makers. But the entire package from shellpoint doesn't match anything. All the documents are fakes. All forged. Signatures arent even in same orders. XXXX # XXXX. Can mail copies if needed too many to upload. If they produce them you can compare to acris and bringing all copies to judge in XXXX supreme court on XX/XX/XXXX @ XXXX XXXX  rm XXXX doc. Number XXXX