davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (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. 

Date Reported : 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 has violated my rights. 

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

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX US DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 2023-08-03
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. (TX)

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.

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 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (GA)

Flagship Acceptance Corporation is refusing to refund my canceled Gap insurance policy premiums. The loan was paid in full on XXXX. They received check # XXXX in the amount of {$640.00} that was cashed by Flagship on XXXX. 

Flagship claims that they " don't know where the money went '' after they cashed the check, so they are refusing to cut me a check. XXXX XXXX, Client Service Representative at XXXX XXXX XXXX & I sent them a copy of the check on XX/XX/2020, yet they still " don't know where the money went '' and refuse to refund this money which belongs to me. Flagship Acceptance has stolen {$640.00} from me the same as if they had held me up at gunpoint. Isn't this also insurance fraud? The non-English speaking individuals who answer their phones are unwilling to help or find someone at Flagship who is willing to help. I need CFPB to intervene so that I can recover my stolen money.
Consumer complaint received 2023-05-27
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. (NM)

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND Equifax has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXXXXXX XXXX even though I have a savings account with them because they uses equifax and couldnt access my report. Again Equfax was no help. This is my last attempt before I lawyer up and sue them.
Consumer complaint received 2022-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

When PHH Mortgage assumed the mortgage on my home last year I was working with the previous mortgage company to remove the escrow from my home. PHH Mortgage did not assume this work from the previous company, so I had to begin with them anew. I want to do this because 1 ) the value of my home is in excess of XXXX XXXXXXXX with my principal balance being less than XXXX XXXX and 2 ) for the past 2 homeowners insurance renewals the mortgage company failed to pay my annual homeowners insurance premium ( approximately {$4000.00} ) before the policy term date. This resulted in my having to pay the entire premium to avoid termination of coverage and then spend months pursuing PHH Mortgage for refund of these monies I should not have had to pay which should have been disbursed from the escrow account on my loan. My latest contact to PHH mortgage was a blanket email sent this past Tuesday demanding immediate action from them, for which I have received no response. This is in addition to a form completed and emailed to them, at their direction, on 8/6 for the escrow removal. This process was indicated on their form to take no longer than 10 business days, for which one month has now passed since form submission with no acknowledgment of any kind being received from PHH Mortgage. This does not include the numerous contacts made to PHH Mortgage when they assumed this loan to take over the escrow removal work already in place with the previous mortgage servicing company.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-09-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account * XXXXXXXX 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 Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
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. (MD)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I am writing to file a complaint to Citi credit card ( ending in XXXX ). They closed my account out of a sudden without any meaningful reason. I used the card from time to time for grocery, for {$10.00} to XXXX each month, and always make payments on time without any issues. However, right after I paid the annual card fee {$95.00} for the new year starting from XX/XX/2023, they closed it right after. They not only stole my card fee, but also took all my rewards points ( around XXXX points ) that I accumulated from shopping. 
This is something I never expected to experience for a big bank like Citi. And I have called them multiple times and they never offered any help.
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage amount was set to XXXX and would fluctuate slightly due to taxes. My amount dropped in XXXX to XXXX. I contacted my loan servicer XXXX, they told me the reason the payment amount changed was because I no longer had to pay Mortgage Insurance. They advised me that as of XX/XX/2018, there was no need to pay the Mortgage Insurance and they adjusted my payments to reflect that. I received my mortgage statement for XXXX and the amount has now jumped to XXXX. I checked my online account and I am now being billed for the previous months that the Mortgage Insurance was not paid. 
I contacted XXXX to discuss the sudden change. They advised me that they made a mistake and confused my loan with another loan. When they realized their error, they billed me. They never once contacted me to explain the error with my loan. When I contacted them, they were not apologetic at all. I asked them why would I have to suffer financially due to their gross mismanagement of my account. They made the mistake and I contacted them to verify the lowered amount was correct, they told me it was. Then instead of just rectifying my account to the proper amount, they are now billing me for back pay. 
I told them it is unfair to expect the consumer to carry the burden of gross negligence. They told me I no longer had to pay Mortgage Insurance, they are the servicer for my account so I believed them. When I told the rep this, he then equated my circumstance to that of murder. If a cop tells you its ok to kill, would you kill a person? That is a poor analogy to explain away their error. 
The only resolution they offered is to spread out the delinquent amount over the next 12 months. I feel that a company that is in charge of managing thousands of accounts and millions of peoples monies, they should do so with more care. And they should own up to gross mistakes and rectify them, even if it means they hurt their bottom line. The company is taking no responsibility for changing my finances and potentially harming my ability to keep my home. When I looked into purchasing a home, I did so with my budget in mind. This goes outside of my plans and the loan servicer does not seem to care. And now I am trapped with a company that makes gross mistakes and does not own up to them for the duration of my loan.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2022 I received a notice from CapitalOne Bank to inform that I was declined a checking application. I immediately called CapitalOne Bank and reported a identity theft and fraud. I have never applied for a checking account with CapitalOne Bank.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (SC)

This is XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/XXXX, I purchased a copy of my credit report and became aware of several inquiries that I did not authorize. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. They are as follows. 
XXXXXXXX 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 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  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX. In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. If the validity of these inquiries can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I would appreciate a copy of my credit report once the inaccuracies are removed.
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.
Consumer complaint received 2021-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Received financing from XXXX XXXX to attend a Computer Training school. School had promised job placement for life. Loan was turned over to Navient. School closed down. Class action suit was filed against school. Have paid loan for 15 years. Because of high interest rate I still owe about half of the principal. Can not afford payments anymore. Tried to work out settlements with Navient. Been denied. Can you help me? I can provide documentation of the class action suit and payment history to Navient if needed. 

Thank you
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Two transactions were made on my paypal acct. I did not make or approve the transactions. I notified paypal and they say as far as they are concerned they were valid transactions and refused to issue a refund. Info is below. 

Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal XXXX XXXX. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXXsuccess online solutionsPayment - {$59.00} XX/XX/XXXXsuccess online solutionsPayment - {$180.00} XX/XX/XXXX XXXXXXXX XXXX  Page 1 of 2 Board : Mortgage Brokers , Businesses & Lenders Complainant Information First : XXXX XXXX : XXXX Last : XXXX Address : XXXX XXXX XXXX City :  XXXX XXXX : Florida Zip ( XXXX or XXXX ) : XXXX Home : ( XXXX ) XXXX Work : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Email : XXXX Education Level ( Highest Degree Received ) : XXXX XXXX Subject of Complaint Complaint is against : Company/Organization Company Name : Paypal Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX State : California Zip ( XXXX or XXXX ) : XXXX County : XXXX XXXX Complaint Details Are you filing this complaint on behalf of someone else? 
No Summary of Complaint : Someone used my paypal acct to make a purchase without my authorization. I notified paypal of this and they refuse to return my funds, saying that it was a legal transaction as far as they were concerned. Two transactions totaling {$240.00} Was this a joint account? If yes, please give name and relationship of other party. 
No Enter dollar ( $ ) amount in dispute ( if applicable ) : {$240.00} Date of Transaction :XX/XX/2020 ( mm/dd/yyyy ) XX/XX/XXXX XXXX XXXX Page 2 of 2 Have you contacted or hired an attorney to look into this complaint for you? 
No Was the product/service advertised? No How/Where/When? Success online solutions thru paypal. 
Have you submitted a complaint to another regulator? If yes, to whom? 
No Did you receive a response to your complaint? 
No If yes, have you received a response from the company that you have entered a complaint against? 
No
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.