davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (WA)

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 ... has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Experian submitted a statement to the CFPB amounting to fraud. It stated that the dispute, XXXX was completed and information was sent. This is impossible. Experian as of this date of this response still have the dispute open, since there is indisputable proof that this was fraud and a letter from the creditor was uploaded as proof. No information was received by Experian as described in the resolution. As of today 's date and checked at XXXXhrs, XX/XX/XXXX, Experian 's dispute center states verbatim " This account is currently under dispute ''. The response is a complete falsification, a lie according the " My dispute Center '' within Experian and amounts to FRAUD ACCORDING TO THE FTC REGULATIONS. Experian chose to lie to the CFPB in order to meet the timeframe for reporting. 

In addition it has already been removed from XXXX  ( See attachment ) I am uploading the document from today at XXXXhrs, XX/XX/XXXX, showing the open dispute. 

Experian lied to meet the deadline.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX I received a call from a Bank of America employee/impersonator. He called to inform me that they noticed suspicious activity on my account and wanted to verify some information. He asked if I have traveled to Florida because I reside in Texas. I told him no I haven't. So he said he noticed some purchases for large amounts from XXXX XXXX and XXXX. I stated that I did not attempt to make those purchases. He also asked if I tried to XXXX to people some money and I also told him no. He told me I wouldn't be able to access my online banking and someone had turned my alert notifications off and also download my account to their digital wallet. He said I wouldn't be able to see the transactions because of that and they were pending. After that he asked for my social security number. So I said wait, how do I know you are who you say you are and he stated if you look on the back of your debit card you can see the number that I'm calling you from is the same number listed on your debit card. So we proceeded with what suppose to be a claim. He sent one time passcodes as well that said BofA. I contacted my bank today XX/XX/2022 and asked about the claim and they weren't aware of it. So I told the representative I can't access my online banking and he reset the passcode for me and that's when I noticed all my money was gone. When I spoke to the person on Monday they told me I wouldn't be able to access my account. I filed a claim today with Bank of America but they are saying it could take up to 45 days for the claim to be resolved. I don't have any money at all. That was my rent and car note money and I have XXXX kids that I take care of alone. I don't know what to do and I'm so lost and hurt.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

We wanted to end the forbearance on our loan. The loan servicer sent a loan modification, adding 10 years to the back of our loan. Adding the full forbearance amount to the principal and charge interest on it. This is against federal law. When we asked to modify the loan by adding the unpaid balance to the back of the loan, they said the investors wont allow that. This is unacceptable.
Consumer complaint received 2021-08-25
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: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-21
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. (TX)

Equifax is continuing to update accounts on the IdentityIQ platform when I've sent multiple disputes and letters acknowledging that I never gave them permission to access my information which is identity theft. They also haven't responded to my previous disputes over the past 3 months.
Consumer complaint received 2022-10-22
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been trying to sell my house for almost 6 months and have been held up due to loss of documentation by Carrington Mortgage Services. 
There is a subordinate loan that was originally owned by HUD  for the amount of {$7300.00} that was transferred to Carrington in XXXXXXXX XXXX  ( documentation attached ). 
After calling many times, I was notified that I could fax Carrington 's research department to ask for the missing information. I have attached a letter from Carrington explaining that they are the servicer for this loan but that it will take an additional month to provide a payoff or release on this matter. 

This issue has already led to almost losing the house, already losing a buyer, and I am hoping to not lose another one. This has been a horrendous experience due to Carrington 's lack of organization and responsibility. I have spent many hours painstakingly trying to obtain this information. 

I am anxiously seeking any assistance that can be provided on this matter.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc. (NY)

Dispute 1 : Nationstar Mortgage XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX, XXXX XXXX. Unauthorized account review, XX/XX/XXXXXXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XX/XX/XXXX, XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX. This account was charged off and closed XX/XX/XXXX XXXX. 

Dispute 3 : XXXX XXXX ins. XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX. Unauthorized account review. XXXX XXXX, XXXX  Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK (LA)

I have been a customer with XXXX XXXX for some time now. I have made substantial deposits in the past, one deposit equaling up to $ XXXX with no issues. I have had no problems or issues. On XX/XX/2022 my employer mailed a check to my office, for me with my name on it to deposit for a XXXX party. I used XXXX XXXX mobile deposit like I have done in the past. The deposit confirmed and the funds were not immediately put onto the account. No worries. Later that evening I received an email stating it would take until XX/XX/2022 until the {$1000.00} funds would be available because, they had to verify it. No problem. On XX/XX/2022 I went into target to do XXXX shopping when I got to check out I swiped my card and was unable to use. Their is no one to reach over the weekends so I was without funds the entire weekend. I was unable to get presents, gas, or food for my children. The bank never called nor notified me my entire account would be froze. I was unable to log into my mobile banking account. ALL of my funds were on hold without one reason as to why. On Monday XXXX, XXXX XXXX I had to call several banks due to majority of them not answering the phone. I finally get in touch with someone at the bank in XXXX XXXX on XXXX XXXX and explain what happened. It seemed no one knew what was going on or even why my account was froze. I left from work which is time away from working to handle this. When I arrived at the bank XXXX XXXX the branch manager told me he didnt know what was going on from what he say the check wasnt fraudulent he was unaware as to why they would freeze my funds. Then, he proceeded to say my account had been closed. I asked him why is that? He wasnt sure. I asked him well sir I have over $ XXXX in both the savings and checkings can I just get my funds out of my account until youll figure out whats going on with the check. He told me they could not release any of my funds to me as my balance was at a {$0.00} on both accounts. I told him that isnt right. I asked for my money he told me there was nothing he could do. Fast forward two hours of me sitting in the parking lot of the bank I called my company and notified them of what happened. My company informed me that the check had cleared from their XXXX account on XX/XX/2022. The same day I deposited it. So why would they close my account without having any access and not even being called about what was going on if they cared or was conernced it couldve been suspicious activity. This has cause me such grief, pain, emotional distress, loss wages from work and I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the weekend because of this.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear Experian, I wrote a letter to you dated for XX/XX/XXXX. This is not acceptable and I need a resolution immediately because its been 4 1/2 months since my complaint and you have not responded to me. I need you to remove information under my personal information that does not belong to me. 

Please delete the in correct addresses listed below : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete the incorrect name of : XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of the listing below ; XXXX XXXX XXXX ; Please investigate every piece of information is correct, If not ; please remove the whole account from my credit report. 

I trust that Experian will make sure only accurate information is maintain under my credit file. Lastly, once this investigation is complete. Please send me an updated credit report to : XXXX XXXX XXXX XXXX XXXX, CA XXXX Kind Regards, XXXX XXXX XXXX NOTE : In my original written request I submitted a copy of my photo ID.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (NY)

Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : 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 2023-03-10
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: Experian Information Solutions Inc. (AL)

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 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

on XXXX XXXX XXXX I found the XXXX XXXX  payment to Rushmore Loan Management services had not been posted. I was notified my payment was overdue, and I was being assessed a {$15.00} late fee. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
I went on the Rushmore website and sent them a message : XXXX XXXX XXXX XXXX XXXX ( PDT ) On XX/XX/, I scheduled a payment of {$1100.00} with my bank. On XX/XX/XXXX, the bank reported it was processed, and paid. I have an inquiry in to the bank about this, but I have a printout of my banks ' report the XXXX XXXX payment was made. Is there any chance it was mis-applied when it arrived? Thank you. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
On XX/XX/XXXX, I received an answer : Payment Rushmore Agent XXXX XXXX XXXX XXXX XXXX We can accept partial payments ... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
On XXXX XXXX, I sent this message via their website : On XX/XX/, I sent a payment to you through my bank, XXXX XXXX XXXX. They confirm the money was, indeed, sent to you. 
They provided a tracking number - XXXX - to prove the money was actually sent. 
Please find and correct the problem you seem to have at your end, and credit my payment. 
Thank You, XXXX XXXX ( XXXX ) XXXX Rushmore Loan management Services LLC XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-08-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KP ASSET CONSULTING LLC (SC)

XXXX XXXX XXXX has hired a company called KP Asset Consultings. They have called me several times stating I have a lawsuit, after I spoke to them and told them Im under a debt consolidation program with XXXX XXXX XXXX XXXX They still have continued to call me. On XX/XX/23 they started contacting my mom by text and phone calls. I also sent a letter to XXXX XXXX loans from my lawyer stating their debt is under this program and they should no longer be contacting me, they need to contact the lawyer group. The phone calls have been more of a threat of a lawsuit and being arrested.
Consumer complaint received 2021-07-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-04
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)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FRCA The term " Investigative consumer report '' means a consumer 's report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Account : XXXX XXXX # XXXX
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I made a payment of {$200.00} dollars to Sears Citi Bank Credit card.. then on the XXXX of XXXX the company processed an unauthorized payment of {$330.00}. I've been calling since the XXXX. Each time I've called I've received the answer of its been investigated. Will take 5 days for that. I call back after five days. And I get an answer it's being processed.. a refund is being sent back to the banking account. I have called over several days to be exact.. 10 calls since the XXXX. I've been disconnected or put on hold for 45 mins then disconnected. Now I've received an email stating ... " Great news your request for an electronic refunds will be deposited into your bank account within 1-2 business days and no further action is required '' .. after 3 business days I contacted the credit card company. I was told that email was to inform me it was being sent to be investigated. I read the email back to the agent. In two seconds she disconnected the call. After being on hold for 45 mins. So I called back and I was told a check was sent to the bank.. nothing was received and my bank. So then I was put on hold for a supervisor which refused to speak to me. So I asked to be transferred to a supervisor in the USA. After 35 mins.. I spike to supposed supervisor. She then said I had called and canceled the refund to the bank. I then read her the email for the refund. And also told the day I called about the unauthorized payment was to find out where and when will the refund be returned into bank account. Why would I cancel the request and then receive the email..and why would I have been calling after the request was canceled. I told each individual I've spoken to.. '' why was this payment processed without my consent..even after I've a payment. I get no responce. So Monday the XX/XX/21 I called and requesteda supervisor from the US..again 50 mins later I get the supervisor.. he says it should have been processed. So I verified account number and routing number. He said it was correct. And now he had to file an investigation to see why the refund had not been processed. So another 5 business days for that. I've been in the runaround with this company. It didn't take them a month to remove the funds from the bank..and shouldn't take a month to return it. I've been told so many reasons it will be refunded and it's been thru 4 investigated processes. I'm at my wit 's end with Sears Citi bank card.