davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (LA)

I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get Equifax to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from Equifax as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Equifax to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Equilfax has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

disputed Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}
Consumer complaint received 2021-03-25
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: Creditors Bureau Associates (TX)

I have sent in two police reports and 3 other cfpb complaints. This account is fraudulent, my name was used for identity theft. I have also sent in several FTC identity theft reports since XXXX of last year. This company had deleted this multiple times and then reports it back to my credit. I need this PERMANENTLY deleted from all 3 bureaus and never reported again. This is defamation and negligence and I have tried to give the company a chance to fix this before I pursue legal matters. My name was used in an identity theft crime. The police are searching for the perpetrator. This needs to be deleted from my credit permanently and never reported again. I called in and spoke to a collection manager and she was helpful to saying the would work on this matter. But it has yet to be deleted.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello- we closed on our home on XX/XX/XXXX. Suntrust owes us {$4700.00} in escrow return. I have called them 6 times and have spent 119 minutes in total trying to get our payment returned. 

We moved from the home we closed on into a temporary apartment. I called with that address ( XX/XX/XXXX ). The first time they missed the unit number and I called again on XXXX they said they added it. The person I spoke to said " they usually figure it out without the unit number ''. It was a huge apartment and we were there temporarily so there was no way it was going to get to us. The third time I called ( XX/XX/XXXX ) I was under the impression it had been reissued and it wasn't. I called again on XX/XX/XXXX for a status and on XXXX where the person was the most understanding I spoke to and said she was going to request an expedite but wasn't sure it would happen. She said that USPS typically returns checks and does not forward them. 

I called again today XX/XX/XXXX and she said the status was they were checking to see if the check got cashed. 

Looking at some online documentation I don't know if they ever had our address right in temporary housing. Its an address with a unit number. It's pretty straight forward and I gave it multiple times. 

We had a mortgage for 6 years and never missed a payment. It's been 2 months and I can't get our money back that they owe us!! Could you imagine if I missed two mortgage payments! 

I had a similar situation with my home insurance company ( XXXX XXXX ). They updated my address, cut the check and I had it in 3 days no problem. Yay! 

I am currently waiting for a call back from a supervisor and am requesting for a wire or direct deposit. I am officially 2 months from paying off my loan to SunTrust and no payment is en-route to us. 

Phone Calls to SunTrust XX/XX/XXXX - 17 minutes XXXX - 16 minutes XX/XX/XXXX - 27 minutes XX/XX/XXXX - 16 minutes XXXX - 20 minutes XX/XX/XXXX - 23 minutes
Consumer complaint received 2022-01-05
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. (CA)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-03
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: Experian Information Solutions Inc. (AL)

Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian, XXXX, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do Experian, XXXX, and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Consumer complaint received 2019-09-24
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. (MO)

On XX/XX/2019 I requested the method of verification for the bankruptcy to be mailed to me proving the method of verification, but I never received any documentation from Equifax and was told by the manager XXXX ( work id XXXX ) that they don't have to verify any information with me being the consumer. I also never received a response from Equifax via mail in a timely manner and had to call equifax to see why I never received a response in a timely manner. I am aware that the credit bureau has 15 days to provide proof of the method of verification, which no one has done.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (TX)

Hello, I sent an email about my vehicle being unlawfully repo 'd upon returning home. I lawfully removed your security interest rights and your right to repo. I know you have a cusip number and I am a XXXX XXXX according to your prospectus. My securties went ignored and since they were not returned the account was then supposed to be corrected and updated. I am requesting a full copy of the contract as soon as possible. I offered a possible international bill of exchange to settle the account and that went unanswered also. This is a notice of taking this to arbitration and/or a civil lawsuit. Since everyone seems to ignore what I'm emailing, we will be contacting your legal department to escalate this the courts. The SEC, CFPB, and the IRS has been notified. I have the right as a XXXX XXXX and the bonafied purchaser to correct any misunderstanding at anytime. I gave the dealership a note and the car was my gift. The audit shows you have been selling the original security on the market and I'm due the monthly interest from that account. Please email me a contact to speak with about the matter. Thanks for updating my account ahead of time, as i know you guys will make this right. 
Sincerely, Holder in due course
Consumer complaint received 2020-12-08
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. (NV)

These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.
Consumer complaint received 2021-06-11
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'm writing this complaint on Experian, XXXX, XXXX  and XXXX XXXX, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as Experian XXXX  XXXX  and XXXX XXXX  access the courts data base through a public access portal called XXXX  to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 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. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX/XXXX  30/60/90 PAYMENT LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

*****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES , DONT USE CREDIT MONITORING******** Hello, Compliant Against : Experian Credit Monitoring Cancellation Service I did a free trial for the Service about a year ago, I have been 9 months attempting to cancel the service ... I have even gone to the extent to Report my credit card stolen and been issued new cards with new numbers and they continue to bill my account. I have attempted to cancel via ALL the experian contact methods. Experian website has the following contact info to cancel but no one person answers and their automated system is unable to cancel. They say login to your experian credit monitoring account and go to member services and you should be able to cancel, ONLY to find that instead of cancelling they want you to upgrade. In the name of our Great President Mr. Trump " VERY VERY '', FRUSTRATING! I need help because these people at experian at this point are just a bunch of thieves because they have no intent to allow the consumer to cancel the service via phone or internet. PLEASE HELP! SOS! 
EXPERIAN CONTACT WHICH DOES NOT WORK XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX PT Sat - Sun : XXXX XXXX  - XXXX XXXX PT *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING******** *****BEWARE EXPERIAN ARE THIEVES, DONT USE CREDIT MONITORING********
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank Account # 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.
Consumer complaint received 2021-09-03
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: CORELOGIC INC (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from CoreLogic Credco on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. CoreLogic Credco violated federal law. see 15 USC 1681b A2. I did not give CoreLogic Credco Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I went online to order my free annual credit reports from all 3 reporting agencies, Equifax, XXXX  and XXXX XXXX at XXXX. I was able to print out the reports from all 3 agencies. However, on XX/XX/XXXX, I went online again, as I have done every year, to XXXX to get my reports. I was successful with getting my reports only from XXXX  and XXXX. When I put in all my personal information to see my Equifax report, the response I received was " BASED ON THE INFORMATION PROVIDED, WE ARE UNABLE TO VERIFY YOUR IDENTITY. '' This is the first time I ever had a problem with ANY credit reporting agency, including Equifax. My personal information has been the same for many years, and I can see no logical reason for Equifax 's response. I called Equifax at XXXX but was never able to reach a LIVE person, only their automated service. I would be interested if others are having this same issue with Equifax.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (GA)

I have been going back and forth with this company by the name of Mountain America Credit Union about an account on my credit report. This started back in XXXX when I noticed a fraudulent account on my credit report by a company named Mountain America Credit Union, I disputed this account right away and it was removed from my credit report. Well recently the account appeared back on my XXXX credit report, but it was never removed from my XXXX or XXXX  report. I have been in contact with a one of the employees by the name of XXXX XXXX. I have been informed by her that I had needed to get a new police report, which I did in XXXX of XXXX. Also upon talking to XXXX I found out that many accounts were opened in my name and date of birth but a different social. I didn't know how this was even possible or how Mountain America Credit Union would let something like this happen. Well once they received a copy of my new police report, I was thinking the account would be removed but it wasn't. I have been told by XXXX XXXX that this will take some time and to basically be patient. Well I have been patient for over 2 years going back and forth with this company. This is ridiculous. I keep disputing the account with the credit bureaus but Mountain America Credit Union keep validating the account as accurate, when clearly this is a identity theft account. I have written communication with XXXX XXXX saying this is a fraudulent account, but yet this accounts continues to be verified every time they receive a dispute letter. I want this account removed immediately. I filed a complaint with the CFPB before and it was stated in the finding that this account is a result of identity theft. Please remove this account from my credit report immediately.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have sent out Notice after Notice. I started XX/XX/XXXX  and XXXX/XXXXXXXX and the last one was on XXXX/XXXX to XXXX. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was in the middle of refinancing Pennymac home loan at XXXX XXXX XXXX XXXX NV XXXX with another Bank and I signed closing papers with notary on XX/XX/XXXX. 
To my dismay I received correspondence from new bank on XX/XX/XXXX stating that they require additional {$560.00} to close loan since Pennymac rep didnt provide correct payoff info to new bank and the reason being Pennymac had to pay extra insurance payment. I do believe that this insurance payment is not necessary since Pennymac already paid {$960.00} to XXXX insurance on XX/XX/XXXX and also paid another {$250.00} on XX/XX/XXXX to another insurance company from escrow account. Some how I was asked to wire additional {$560.00} to close loan due to fact Pennymac rep didnt do due diligence when they fax wrong payoff info to new bank which could possible resulted in late fees and also pay extra mortgage to pennymac as well as new bank at the same time since XX/XX/XXXX. I kindly request Pennymac refund additional {$560.00} payment that I had to pay to new bank due to wrong payoff info provided by Pennymac rep which resulted in me spending extra money / time and mental break down since I was told my loan was closed on XX/XX/XXXX.
Consumer complaint received 2019-09-24
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. (KS)

On my Equifax credit report I have an incorrectly reported {$50.00} balance owed to my university. I have disputed this balance twice with Equifax, as the account balance was settled in XX/XX/2019. I have also checked with the University to determine if the issue is on their end, but they have stated both times that the balance is reflected as settled on their end as well. I had to dispute this account on my XXXX credit report and it was settled and taken off immediately. 

Equifax suggested I get in touch with the University to expedite the process of having the incorrect balance removed, and it has done nothing. I don't understand why Equifax can just keep an incorrect balance on my report as it is affecting my credit.
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (CA)

I obtained a first mortgage a little over 3 years ago. In the closing documents, it stated that XXXX of 2021, we would be able to cancel the PMI. I tried for 2 months to get this done and they never even acknowledged my concerns. I complained to the XXXX XXXX XXXX and eventually, the company did send a letter stating they needed {$100.00} for a " Broker 's Price Opinion ''. I called the number they provided in early XXXX and gave them a check through their phone service. To date, they have never cashed this. I wrote a month ago asking if they received it and still no response. It is my belief that they are milking the cow for all its worth before giving up the extra PMI payment each month. I am going to start filing online complaints through XXXX and some others and am thinking about even filing a complaint against the online mortgage broker we used in our refinance.