davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX
Consumer complaint received 2021-12-23
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. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Nationstar/ Mr. Cooper XXXX sending me frivolous information in the mail. XX/XX/XXXX while reviewing my credit report because of ssn fraud, I found out that Natonstar posted Foreclosure proceedings started for the amount of {$120000.00} past due as of XX/XX/XXXX on XX/XX/XXXX to my XXXX credit report. 

Nationstar/ Mr. Cooper never sent me opt-out forms or notified me that I have the right to Opt-out of them reporting any information to all the credit reporting agencies in writing. 

When I sent Nationstar/Mr. Cooper a debt validation letter along with a request for the following copies of the documents : The Property Deed Affidavit of Title Settlement Statement Closing Disclosure 1099-S Tax Form Contract signed by my real estate agent, Title company, XXXX Bank HUD-1 Settlement Statement Truth in Lending ( TILA ) Statement Mortgage, Security or Deed of Trust Certificate of Occupancy Escrow Fees, along with a break down of interest fees, monthly payments Application fees and any transfer fees I did receive 6 pages that included a copy of my Note and ( TILA )
Consumer complaint received 2022-12-02
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. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate 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 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

Im a XXXX veteran and have been FORCED to deal with this company just to get an invoice. 
I NEVER asked to have paperless bills, my first contact with company was to get a bill and pay it. 
Now that CFPB got involved they were forced to actually send me an invoice see attached file and payment has been mailed Friday XX/XX/2022 from XXXX XXXX XXXX. 
Now they are harassing me saying my payment is late! This is out of my hands! Im a XXXX veteran!
Consumer complaint received 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (GA)

I reached out to XXXX  on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of Enhanced Recovery Company LLC ( ERC ) and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through XXXX  and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my XXXX  account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.
Consumer complaint received 2022-02-04
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. (GA)

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX  XXXX and XXXX do not belong on my credit report.
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (OK)

This company charges you taxes on the loan payments. This is in addition to the taxes paid on the original merchandise order the loan was for. They also do not charge you on the days you input for payments, resulting in insufficient fund charges and late fees. Went to pay it off. The balance went from {$530.00} to {$1000.00} in a week. This is outrageous. And the tax on a payment of {$600.00} was {$51.00}. This was almost double what the tax was on the original order alone. The XXXX XXXX XXXX make it sound like the tax is ONLY on the merchandise order. Not each loan payment. They are very predatory! They also do not answer the calls or chats. Chats will say they are closed and goodbye and shut down.
Consumer complaint received 2023-08-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

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 U.S.C 1681. 

Account # XXXX XXXX XXXX XXXX - {$4100.00} Account # XXXX - Portfolio Recovery Association {$730.00}

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.
Consumer complaint received 2022-02-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

A different address was added Also a personal loan has reported delinquent XXXX  times Ive paid them in small payments but they are still reporting
Consumer complaint received 2019-10-07
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COAST PROFESSIONAL INC (VA)

Today, I received a call that was transfer to me at my place of employment, a public municipality where the calls are recorded. The call was from Coastal Professional - demanding to speak with me stating personal information on the phone with my cell phone. I've asked them to end the call they continued to speak about my personal business regarding my student loan. I asked them not to discuss because incoming calls are recorded and I could loose my job. The representative argued back and forth if I was going to call back. then gave me a phone XXXX which is to XXXX XXXX a company I never was associated with. This was a harassing call and misrepresented themselves and their purpose of the call. Also, they discussed my personal information with another employee.
Consumer complaint received 2019-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (OH)

I work with XXXX so long year, after sent he has been provided me " Cancelled '' so I never get result any time Nowadays I can not log in, I don't want use his site I want know last all transfer I had using with many amount where they go. Now he can send more 200 countries. When used he only send 63 countries I had save print few copy. Are they can pick up when I ask
Consumer complaint received 2018-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We applied for a renewal of a {$500000.00} HELOC on our home valued at more than {$2.00} XXXX two months ago with JPMorgan Chase. Our previous HELOC had been partially drawn down and fully paid off before the balloon payment date and expiration which occurred in XX/XX/2018. In the meantime, we have fully paid off our mortgage on our home, so this new HELOC would be in first position. 
Chase responded by saying they could offer us a HELOC only in the neighborhood of {$260000.00} -- and told us that they were " not a collateral lender ''. Basically, in form, in seemed as though they treated our application as an unsecured loan, based only on their conservative estimates of our cash flow, assuming we had no access to any of our other cash or investment assets. For them to call the product they were offering a HELOC was a complete misrepresentation. 

We received a letter dated XX/XX/2018 rejecting our application, giving the reason that it was based in whole or part on our credit rating. We have written an objection letter, based on several reasons in form and substance -- not the least of which is that being rejected by a long-term creditor can only have a negative effect on our credit rating and credit history. Facts of our financial situation include : -- Husband 's credit score XXXX ; Wife 's XXXX on XXXX ; range 320 to 844. 
-- Our mortgage is paid off, so this HELOC would be in first position. 
-- We have had a second position {$500000.00} HELOC with Chase for over 15 years. We have borrowed against this amount and completely paid off the balance, prior to reaching the balloon payment date. Our payment history has been stellar. 
-- We both have pensions ; once husband retires our pension and Social Security income will surpass {$13000.00} per month. 
-- We have paid off our credit cards in full every month for the last 30 years, with very few exceptions. We own our vehicles outright-no loans -- We have over {$500000.00} in stocks and cash ( {$140000.00} deposited with Chase ).

-- Husband is still working and has earned over {$100000.00} so far in 2018. 
-- We own a rental property valued at over {$1.00} XXXX with a mortgage of {$350000.00} and a stable ten-year tenant. Chase did not count additional rental income to that property of {$1200.00} per month from garage tenant, as amounts were paid via bank transfer not checks. 

In addition, Chase responded irrationally to an appraisal which came in HIGHER than expectedby lowering the amount offered as a HELOC maximum, stating that the higher taxes would be a further drain on our cash flow. But, since we are in CA, Prop 13 prevents our taxes from being raised more than a few percent per yearunrelated to property values.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I sent {$48.00} USD to a PayPal member for tickets to an event Transaction ID : XXXX on XX/XX/2019 XXXX XXXX with PayPal ID XXXX XXXX sent : {$50.00} USD Mr. XXXX did not transfer the tickets and promptly shut down his XXXX profile and account so that I could no longer communicate with him. Researched the profile of XXXX XXXX on XXXX and determined he resides in XXXX!!! He was supposed to be in XXXX Georgia!!! 

Contacted PayPal and they said since the transfer was technically " authorized '' there was nothing they could do even though it was clearly a scam. Said all they could do was make a note on the account about my experience. 

I'm out {$50.00} and have no tickets and am furious with PayPal 's lack of tighter restrictions on their members to be able to do this sort of thing and with the press of a button.
Consumer complaint received 2022-02-04
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: WELLS FARGO & COMPANY (AL)

These accounts XXXX # XXXX, XXXX # XXXX, WFDS # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.
Consumer complaint received 2018-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC (TN)

I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career
Consumer complaint received 2022-10-07
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. (OH)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (LA)

I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.