davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (CA)

I need to file a complaint against Experian & XXXX XXXX. They are in violation of FCRA 1681i section ( B ) ( ii ) which claims any data furnisher who reinserts an account after it was originally deleted must notify the consumer within 5 days. I have not been notified nor have I received any documentation which Experian claims to have received when I discussed this matter over the phone. The alleged accounts were opened due to identity theft which I provided a police report & FTC identity theft report to validate the crime. I learned of the reinsertion after I reviewed my credit & noticed the 2 accounts had been place back on my credit 6 months after they were removed. Under section 605b of the FCRA, Experian is required by law to remove & block any item which is found to be opened due to identity theft which they did back in XX/XX/2022. They are also in violation of FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] for not providing correspondence after being block for identity theft. I've already filed a complaint internally with Experian complaint # XXXX. They claim theyre investigating why I never received any documentation about the reinsertion but I need the CFPB to look into this matter more deeply. I feel my rights have been infringed & Experian or XXXX XXXX  have not complied with any FCRA laws. I need them to be held accountable for their breach in the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating my rights under 1681i. Please see that this matter is handled with urgency as this is impacting my ability to use my credit. Please delete these accounts ASAP : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Consumer complaint received 2020-05-28
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 (OH)

I booked a hotel room for XX/XX/XXXX - XXXX using my Capital One card. It was booked through the Captial One Travel that's linked to the card. I paid {$270.00} at the time for two nights stay that was charged immediately to my Capital One card. When I arrived at the hotel on XX/XX/XXXX there was a sign on the door that stated that it was closed due to the Covid-19 concerns. I was forced to drive to another hotel and book another room. However my card was still charged for the original room with a closed hotel. I contacted Capital One that advised me they would back charge my card and remove it from my account. It was handled within a few days and the charge by Capital One Travel was removed. Then on XX/XX/20 it was re-charged again and I was told that the booking was non refundable and could not be reimbursed by Capital One Travel on my Capital One card. How can I be charged for a hotel that was not even open?
Consumer complaint received 2023-02-24
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: World Acceptance Corporation (IL)

This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
Consumer complaint received 2023-02-24
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: ACIMA CREDIT, LLC (CA)

XXXX XXXX XXXX  {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX No action was taking by neither company I despised milyiple times staying fraudulent account and address not made by me need to get this off my credit at once.
Consumer complaint received 2023-02-24
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. (LA)

My name is XXXX 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 2023-02-24
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. (FL)

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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I have been accused for having a bankruptcy reporting on my consumer reports. I have been trying for over a year to have this removed from the credit reporting agencies, XXXX and XXXX. I have a letter from the courthouse, stating that they do not report to the credit reporting agencies. They are in violation of FCRA Title 15 USC 1681 ( a ) which Congress states Accuracy and fairness of credit reporting. They are in clear violation.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have changed my legal name via court order. I have a new SSN card and California Driver 's License using my new name. 
After various requests, both via call and visiting a branch, I was unable to update the name on my Bank of America credit card account. 
Bank of America would only allow such requests to be made via snail mail and still would not process the request after providing all required documentation. This has been going for over six months.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (DC)

I'm writing to ask how my Apple Cash account is doing. on XX/XX/2023 I was informed that my account had been disabled and was presently being reviewed when I attempted to log in. The notice warned that the review procedure might take up to two business days to complete. In order to access my cash, I would want to request that my account be unlocked as soon as possible. I haven't previously heard from the bank about any issues with my account. As a result, I'm not sure why my account was first locked. I want to utilize my Apple Cash money right now, therefore I'm hoping you can help me out very away. If you need me to offer any extra details so that the review process may go more smoothly, kindly let me know. I appreciate your help and time. It's XXXX for my apple id.
Consumer complaint received 2023-02-24
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Experian Business Credit did not have my consent to obtain my personal information on Three separate occasions and they surely did not have my written consent. 15 USC 1681n ( a ) states that Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of {$1000.00}. 
by them pulling my reports Three different times with out my consent, it has greatly damaged my credit score and my chance to obtain any new credit from lenders.
Consumer complaint received 2023-02-24
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.
Consumer complaint received 2023-02-24
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: CITIBANK, N.A. (TX)

XX/XX/XXXX, XX/XX/XXXX, XXXX & XXXX of the year XXXX as well as XXXX & XXXX of XXXX, I fell behind on payments because of the unforeseen occurrence of XXXX prohibiting me from being able to work. I was without a job prohibiting me from making payments. These late payment are continuing to affect my credit score tremendously and is continuing to affect my ability to take care of my family not being able to get approved for living. 

In accordance with the Fair Credit Reporting Act. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 and purpose.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Schrier, Tolin and Wagman, LLC (MD)

Summary : I went to court in early XXXX and entered into an agreement to pay an amount due that was being collected from an auto incident I had earlier. The amount was just over {$4400.00} from this instance. I was under duress at the time as we have a XXXX son and being a senior citizen were going through major struggles at the time as a result. 
It appears this may be covered by the Elder Justice Act, enacted in XXXX, as I was XXXX years of age at the time. Some of the pertinent facts include the following : I informed the attorney our income was totally from Social Security at the time and that we had a XXXX son with no assets. A payment schedule that includes an interest rate in which the principal would never be paid off and was never fully explained to me. No reference has ever been made to the interest rate since the agreement and disclosures regarding this appear to have been concealed to disguise the intent to never have the debt paid off and collect an even higher amount than the initial agreement upon termination of payments. 
The attorney threatened me when I signed the note that if I missed or was late with one payment they would come after me, garnish our social security payments and freeze our bank account, regardless of the fact that we needed Social Security to live on. 
This letter was triggered by a statement in the mail reflecting the following : The statement indicated the principal amount was {$6400.00} and we now owed {$7300.00} after making {$8800.00} in payments over the last five years. 
We no longer have the original paperwork and seldom receive any information from XXXX XXXX, no invoices ( but we pay regularly ) and a yearly statement which is attached. It just became apparent to us that we were being exploited upon receipt of the attached statement upon determination that we currently owed {$7300.00} after {$8800.00} in payments for a total original claim of around {$4400.00}. 
In summary, I believe I was intimated and exploited as a senior citizen, especially considering the circumstances ( under duress ) and now find that I have paid {$8800.00} ( almost double the amount of the collection ) and have a higher balance than when we signed the agreement. Is this the way that law firms are supposed to act toward the more vulnerable population, such as senior citizens?
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

I recently received an Annual Escrow Analysis with a new payment date effective XXXX, XXXX. I am suspicious of the timing of this escrow analysis since it coincides with the filing of my CFPB complaint. My last Escrow Analysis was supposed to cover XX/XX/XXXX to XX/XX/XXXX. This new escrow payment begins in XXXX, XXXX and includes PMI payments which should end with my XXXX, XXXX payment. I have been making an additional principal payment of {$1500.00} since XXXX, XXXX. I have written to the company objecting to this new Escrow analysis and fear they will ignore my objection as they ignored my request for cancellation of the PMI.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (CO)

I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDIT SYSYEMS INC are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXX, Co XXXX. 

I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. 
-15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -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 2018-10-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

I have been trying for over three years to resolve my situation with Citimortgage. I requested a shortsale 3 years ago. I have lost 3 buyers and now Citimortgage is countering an offer on a short sale property that is XXXX more than what was required 3 months ago with another buyer. I think they are trying to deny the offer and force this home into foreclosure.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONEMAIN FINANCE CORPORATION (NC)

On XX/XX/2020 I recieved a notification from XXXX  credit bureau that One Main financial company of XXXX Indiana had checked my credit score for financial services. I did not inquire for any Services through this company nor did I authorize anyone there to pull my credit report. I reached out to this company and filed a complaint with the XXXX XXXX XXXX. I have yet to recieve any resolve or an explanation as to why my information was accessed by this company.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (FL)

This complaint is for Commonwealth Financial Systems legal/compliance dept. Your company has stated that they have complied with HIPAA laws yet attached you will find a HIPAA LAW thats states an authorization form must be obtained from a patient before any of their PHI is shared. I received a copy of my childs medical records including procedure without knowledge or request. I suggest this company read over those HIPAA laws again and then send me the authorization form signed by me to release such information. I would also like a copy of the debt verification I requested. I received a full breakdown of my childs medical records without receiving an authorization form attached. THAT IS A REQUIREMENT!!! As a business entity you have every right to send limited information but instead you carelessly sent a full breakdown of services rendered. SHAME ON YOU ALL!!! I have already submitted a HIPAA complaint with the documents I received attached. I have no problem paying the debt with the settlement funds I will receive from this company for clearly being in violation of HIPAA. Also if your company is so sure that you did not violate any laws then I will see you in court. They can determine for us whether any violations were made. I made sure to keep all paperwork!
Consumer complaint received 2023-02-24
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. (MI)

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Sayer Law Group, P.C. (TX)

I requested the debt collector not communicate with me on XX/XX/XXXX and gave instruction on how I was allowed to be communicated with. This debt collector violated my rights under the FDCPA. See attached. I contacted the USPS and they have confirmed that my notice is in a Post Office in XXXX, IA without pickup from the debt collector since XX/XX/XXXX.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

I get XXXXXXXX XXXX XXXX  XXXX Wednesday of the month and my mortgage with midland mortgage, is due by the XXXX of every month. Every month I get charged a late fee ( $ XXXX {$9.00} ) I have tried to change my due date to no avail. I call every month to get my late fee credited, to my knowledge, I was under the impression that the requested fee was credited every month til XX/XX/22 I was informed that I am only allowed 1 credit a year. So the other 11 calls for the late fee credit did not actually happen. The fee may be minor but it adds interest to my overall balance of my mortgage. 
I was told that I would have to sign an agreement for midland mortgage to electronically withdraw my payment. I declined due to past increases that I was unaware of.