davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-09-09
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America ( BOA ) inaccurately recorded a late payment on my credit history. The inaccuracy BOA recorded was for XX/XX/2018 and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that BOA inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to BOA, XXXX, and XXXX companies and disputes were filed.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (AR)

I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent harassment!!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 11/05/21. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-18
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. (FL)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (WA)

I requested information earlier this year regarding the process to remove PMI, I was given little information. I proceeded to submit a request to have an evaluation to remove my PMI. 

I've received a few contacts ( email and phone calls ) from an unknown name and email/phone number inquiring about access to my property. The person who is reaching out did not mention this is related to my NewRez request for PMI. The person only listed they are with XXXX XXXX. 

I am requesting information from NewRez to confirm this communication from XXXX XXXX is legitimate, as I do not want to allow strangers into my home without confirming their identity first. NewRez has not been able to provide this detail to me, so I am submitting this compliant and hope they can respond timely.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

Self Finacial has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by self financial, before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or self financial, to furnish any late payments to my consumer report. It is my belief that due to self financial, business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (TX)

I responded to a contact about collecting a debt by GC Services. GC Services contacted me and my family by phone and identified the debt as due. I told them the person they are trying to reach is not available in this phone because she passed away. I told them several times to stop calling me because I do not have any responsibility for the debt they trying to collect.I also told them if they have good reason to believe that I am responsible for this debt, mail me the documents that make them believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop the collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau or have already done so, also report that the debt is disputed. Thank you'r cooperation.
Consumer complaint received 2022-10-11
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony XXXX XXXX closed my account based on inaccurate information on my credit report caused by XXXX XXXX fraudulently claiming debts not owed on XX/XX/2022 which dropped my score to XXXX which was inaccurate. Synchrony closed my account because of the score they pulled on XX/XX/2022 and even though all three of my Synchrony accounts have {$0.00} balances, have never been paid late on and just recently I paid every account off completely they still closed the account. I called them and they refused to reopen the account or email, mail or fax me a way of trying to reopen it. Now my score will be hurt again because of a newly closed account.
Consumer complaint received 2022-07-18
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXXA ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : $ XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC (FL)

I started the refinance process with Loan Flight Lending in XX/XX/2020. They provided me with an initial disclosure estimate that showed the cost of my points I was purchasing to be .50 % or {$1600.00}. We got close to closing ( they provided me the final closing disclosures ) and they asked me what I wanted to do with my existing HELOC loan and I told them I wanted to get that loan subordinated just as I told them when I originally applied for the loan back in XXXX. They were about to begin working on the subordination process when they sent me a revised final closing disclosure that showed an updated cost of .875 % or {$2800.00} for the points I was purchasing. I inquired as to what the increase was related as it was my understanding that cost in this section of the closing disclosure can not change unless there is sufficient support for the change. My complaint is that there is not sufficient support for this claim as I told them at the time the application that I was going to subordinate my HELOC loan and there was a {$250.00} subordination fee listed on every closing disclosure ( initial and final ) that was provided to me which is evidence they knew I was going to subordinate my HELOC during the refinance. When I pushed them harder on this issue, the response I received from them was that my loan officer had spoken to their negotiations desk and they've decided not to honor my request to keep the discount rate the same as they've already applied a credit. I then withdrew my application from this lender as I did not agree with this business practice.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (NY)

I am writing to express my deep concern regarding the inadequate handling of an issue involving the tokenization of my bank card for use with XXXX XXXX. The lack of accountability and communication among Regions Bank, XXXX, and XXXX is alarming and raises serious questions about their operational processes and customer service. 

On XX/XX/year>, after creating a new XXXX account due to issues with XXXX XXXX syncing, I attempted to add my Regions Bank card to XXXX Pay. However, I encountered an error message instructing me to contact my card issuer. My subsequent interactions with Regions Bank, XXXX, and XXXX revealed a cycle of finger-pointing and misinformation. Regions informed me that XXXX was blocking my card without a clear reason, while XXXX claimed it was Regions ' responsibility. XXXX confirmed that the issue was between XXXX and Regions. 

Despite multiple communications, including a three-way call with XXXX and Regions, I received conflicting information and no resolution. This lack of cooperation and problem-solving ability is concerning and suggests a systemic flaw that could impact their other operations. 

As a customer of Regions Bank for nearly a decade, it is unacceptable that I am denied access to a service I should be able to use. The digital payment service is crucial for my needs, and the situation breaches the service I am entitled to. Furthermore, the suggestion to purchase a new device as a solution is financially insensitive and dismissive of the issue. Customer service agents ' reluctance to file formal complaints and their attempts to dissuade me by suggesting my complaint lacks substantiation are unacceptable. 

I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly. The lack of a coherent system for resolving such issues, alongside evident miscommunication, raises serious concerns about the accountability and transparency of these financial institutions.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I have made many many complaints to CFPB on Discover for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully Discover will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (OH)

Hi there, So when I was XXXX XXXX XXXX in XX/XX/2021 I went into a dealership to get a car. They told me I had to put {$600.00} down and I would walk out with a car that day. That did happen, although I was given a car that was worth about 1/3 of the loan. First of all, I think it was messed up to do to a XXXX XXXX XXXX. They knew I had no idea what I was doing and took advantage of that fact. Now I am XXXX, stuck in this horrific loan and am backed into a corner. This is because I can not keep up with these payments, so it's effecting my credit. I have tried to refinance with over 15 companies and no one will approve me because my credit is dropping and the negative equity on the car is too high. And on top of it all they sold me a car that needs about {$800.00} worth of repairs. So here I am at XXXX having to consider bankruptcy which I really don't want to have to do and hurt my financial history until I'm almost XXXX. I need help, I was taken advantage of and I need someone to advocate for me and help guide me out of this situation. Please, if there is anything you can do I beg of you to help me.
Consumer complaint received 2021-07-16
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 (TX)

Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Right Path Servicing had originally claimed I did not have property insurance on my home, I had repeatedly sent them proof of insurance. After receiving my proof of insurance and my filing of a complaint, Right Path servicing claimed I did not have XXXX XXXX insurance. XXXX XXXX is not a type of insurance as recognized by ANY insurer. I had filed another complaint and Right Path Servicing was to respond and clarify what, exactly, they meant by walls in. They did not. 
Apparently, Right Path Servicing has placed an HO-6 insurance policy on my property without affording me an opportunity to do so at a much cheaper rate. Right Path Servicing used deceptive slang in order to cloud the issue and afford them an opportunity to go with a non-proposed insurance policy at my expense. Right Path Servicing is now attempting to force payment by attaching this outrageous insurance fee to my monthly mortgage payment. 
If Right Path Servicing was requesting the placement of a HO-6 policy by me, they should have made this an obvious request and not proceeded deceptively. I am fully able to obtain a HO-6 insurance policy without such an outrageous fee.
Consumer complaint received 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

I was affected by Hurricane Ian. I called US Bank on XX/XX/XXXX to go on a forbearance plan that they offered for natural disasters. On XX/XX/XXXX US Bank sent me a letter detailing the forbearance plan. They said I would not be affected by late charges or late payments towards my credit. They currently have 5 late payments on my account. The forbearance plan is caught up and paid in full. On XX/XX/XXXX I called to have them remove the late payments on my credit report. They denied my request.