davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XX/XX/2023 Equifax Re : Method of verfication To whom it may concern, I am requesting the Method of Verification for the disputed accounts below : XXXX & XXXX -Name of original creditor -Creditors address and telephone number -Documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts off my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-08
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)

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit XXXX XXXX  Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (GA)

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I opened a savings account in XX/XX/XXXX for a security deposit for a tenant in the amount of {$1300.00}. i called the bank in XX/XX/XXXX to find out what the balance was and was told it was {$470.00}. i was selling my house so i needed to let the buyers and attorney know how much security deposit should be transferred to the buyers. i went to the bank to find out what happened to the money. i spoke with XXXX XXXX and she called the online research dept from the bank while I was there. i was told the bank records go back 7 years and they have no record of the account beyond seven years and therefore could not tell me what happened to the money. upon the sale of the house i had to give the buyers {$1400.00}, the amt the security deposit should have been for all those years. now Im out {$1000.00} because the bank doesnt know what happened to money. i need to find out what happened to money and how can I get my money back from the bank
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I received an unsolicited / fraudulent credit card from USAA Savings Bank. I promptly destroyed the card and notified USAA Savings Bank. On XX/XX/XXXX I received a " Decision Made on Your Application '' notice from USAA Savings Bank indicating that my request for a USAA credit card had been declined because of multiple credit card applications recently submitted. I have never applied for a credit card from USAA. 

Since receiving the " Decision Made on Your Application '' I have received a billing statement dated XX/XX/XXXX and a billing statement dated XX/XX/XXXX requesting payment of {$14.00} for Fees Charged for expediting issuance of the credit card
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Pursuant to the FCRA, it is EQUIFAX 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are not doing so. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the report of 120+ days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is INCORRECT and is supposed to be reporting PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in the EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate has caused me and my reputation severe hard and discrimination.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXXXXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-04-08
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. (AZ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (OR)

I previously filed a complaint against Grain due to them not allowing me to update my checking account so I could pay my account. I was able to add my new account and brought my account current. However, the company continues to report to credit companies that I am not current, in addition, today when I logged in to confirm my recent payment had posted my account is showing as charged off. The company never notified me that they were charging off my account.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Consumer reporting agencies XXXX and Experian are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (WI)

I hired Lexington law to repair my credit and I I paid for their services before I had any results. I was told that hard inquiries would be removed as long as I paid. Inquirys were not removed and I paid before they rendered service.
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from MRS BPO , LLC which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. 

I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-04-08
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. (OR)

I have an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged off.
Consumer complaint received 2023-05-03
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-08
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. (FL)

in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. 

Account name XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX  Account number XXXX Status Closed Account name XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-17
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-03
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. (CA)

I've complained about identity theft twelve times, and this is the latest. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization in 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is not information pertaining to any transaction. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX CARD XXXX Balance : {$5600.00}, XXXX CARD XXXX Balance : {$5500.00}, XXXX BANK XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Selene Finance purchased my mortgage from XXXX XXXX XXXX and my escrow was not transferred. Selene is now insisting that I have to pay the taxes and I am behind on my taxes now subsequently. Please see attached correspondence sent from XXXX confirming Selene Finance ownership. 

NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred effective XX/XX/2022. This means that after this date, a new servicer will be collecting your mortgage payments from you. Nothing else about your mortgage will change. 
XXXX XXXX , XXXX is now collecting your payments. XXXX XXXX , XXXX will stop accepting payments from you after XX/XX/2022. 
Selene Finance LP will collect your payments going forward. Your new servicer will start accepting payments received from you on XX/XX/2022. 

Send all payments due on or after XX/XX/2022 to Selene Finance LP, at this address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX If you have questions for either your present servicer, XXXX XXXX , XXXX or your new servicer, Selene Finance LP , about your mortgage loan or this transfer, please contact them using the information below : Current Servicer : New Servicer : XXXX XXXX , XXXX Selene Finance LP Attn : Customer Service Attn : Customer Service XXXX XXXX Mon to Fri XXXX XXXX to XXXX XXXX and Saturday from XXXX to Noon ( CT ) XXXX XXXX to XXXX XXXX CT Mon Thu XXXX XXXX to XXXX XXXX CT Fri XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, TX XXXX Former Account No. XXXX New Account No. XXXX Important note about insurance : If you have mortgage life or XXXX insurance or any other type of optional insurance, the transfer of servicing rights may affect your insurance in the following way : These products will NOT transfer to Selene Finance LP. 
You should do the following to maintain coverage : To continue these optional policies, contact your insurance carriers directly and inform Selene Finance LP of any coverage you are planning to continue. 
Under federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. 
Customer Service, XXXX XXXX , XXXX.