davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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)

I, XXXX XXXX, never gave ( XXXX XXXX, Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

My PEP BOY Credit card without me being notified. I had a 30 late that was an error on my credit report.MY Identity was stolen was and a random account was on my credit report. I am filing small claims case in CALIFORNIA. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also filing a Doj complaint for XXXX discrimination. 
The managers on the phone were very unprofessional transferring me around.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a current 30-year mortgage with Bank of America ( BOA ). The interest rate is 4.5 %. My FICO credit score is XXXX. I have paid off my student debt and car loan so the only debt I have is the mortgage. 

About a month ago, with interest rates falling, I applied to BOA for a re-finance quote. They quoted me 4 %. I thought that was high, so I did some research online and obtained a 3.375 % quote from another lender. BOA asked for the opportunity to match the rate and said it would be easier for me to remain with them since it would be less paperwork and more convenient. Stupidly, I agreed and told the other lender that I would not be taking their offer. 

During the following weeks, BOA sent me Closing Disclosures ( CD ) that showed they would pay me {$630.00} at closing ( see attached ). The last one I received was on Wednesday, XX/XX/XXXX. Because I work a regular XXXX - XXXX job, BOA scheduled my closing for XXXX yesterday, XX/XX/XXXX at my home. When the closing agent arrived he gave me a CD that showed I needed to pay $ XXXX at closing. I was shocked. I am not a drug dealer so I don't have that money lying around at home. I called BOA and spoke to the loan manager ( " XXXX '' ) and she said it was for property taxes. However, that amount was significantly higher than the amount quoted in the XX/XX/XXXX CD.  Additionally, in none of the many email and phone correspondences between me and BOA from XX/XX/XXXX -XX/XX/XXXX, NOT ONCE did anyone mentioned that I need to bring any money to closing. Needless to say, I was unable to do the closing and will be cancelling the re-finance application and taking my business elsewhere. 

I noticed today that interest rates have now gone back up. 

I strongly believe that BOA knew that could not truly match the rate of the other lender and resorted to a " bait and switch '' scheme to entrap me. 

How is this fair? How is this remotely honest? Is there any remedy or options to punish BOA for engaging in this practice?
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for XXXX  days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I've disputed bankruptcy twice with Experian and tell me it ' still remains on credit report. 
When I received a letter from the U.S. Federal Courts tell me they don't report to three bureaus, I will attach letter from the US Federal Courts, and Letter I sent to Experian as well.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX transunion has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX : XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I recently bought a house from AmeriHome mortgage company LLC. I thought I had a VA Loan with guaranties. The house was suppose be inspected and appraised. I am still waiting on the reports and the house has closed. I was given a home warranty, this was to insure that the house was good. But after a couple of days everything began to break down. The pool pump stopped working, the wiring has been compromised. The conduit is rusted out causing the wires to ground out. This is just one problem with the electrical, there is open slots in the electrical breaker box. Nothing is label correctly and there is several circuits missing form the panel. It is not up to code, I was told that the property was inspected by the VA rep and approved. But the standards that the VA provide to its service members are not being met. Now the home warranty company is saying they do not cover the repairs. The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX said this house was up to code and passed inspection when they sold me the house. It is not up to code.
Consumer complaint received 2021-12-28
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. (VA)

EXPERIAN has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EXPERIAN permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EXPERIAN giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MN)

1. Mortgage was purchased by RoundPoint on XX/XX/XXXX. I mailed a payment to the previous loan servicer on XX/XX/XXXX. When I spoke to RoundPoint, they stated payments made to the previous loan servicer would be transferred to RoundPoint and the date of payment posted to the account would be the date the previous loan servicer received the payment. 

RoundPoint posted the date of payment as XX/XX/XXXX. I spoke with them on the phone and was told to send documentation regarding the timing of my payment to XXXX, which I did on XX/XX/XXXX. I received an automated reply that they had received my email, but nothing more. 

2. Made my second payment directly to RoundPoint in the same manner I had been for the year and a half prior with the previous loan servicer. I utilized my bank 's bill pay service, which cut a check and mailed directly to RoundPoint on XX/XX/XXXX. The check was cashed on XX/XX/XXXX and the payment was not credited to my account until XX/XX/XXXX. 

I had auto bill payment set up with the previous loan servicer, with the same mail date of the XXXX of the month ( earlier if it landed on a holiday or weekend ) and the latest it posted to my account was the XXXX of the month, consistently. 

I called RoundPoint and was told by a representative that I needed to set up an ACH in order for the payment to be posted to my account sooner. When I asked why this exact same process worked for the last service provider and the payment was posted on the XXXX or XXXX of the month, I was simply told that I needed to set up an ACH. I also asked why the money was withdrawn from my account on the XXXX and still not posted until the XXXX, the RoundPoint customer service explained that was because the deposit was done by a computer on a Saturday and it wouldn't post until the next business day. I explained that I would be taking this further to the CFPB and she offered to set up a call with the internal consumer advocate team and they would call me by XX/XX/XXXX. I still have not received a call or VM. 

3. In addition, my homeowner 's insurance was not paid until I was notified that the bill was past due and called. RoundPoint did make the payment within a couple weeks of my request. 

4. Currently my property tax payment is also delinquent ( just found this out today by looking at the county records online ). RoundPoint stated that they will start the process to pay the XXXX taxes and all late fees, but it will take several weeks. They also stated that they do not have any record that taxes were owed in XXXX. 

It feels as if this company is severely understaffed and took on way more mortgages than their staff could handle, but won't admit to the problem and correct the errors along the way. Instead they turn it on the consumer as if the above stated issues are my problems.
Consumer complaint received 2022-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Someone opened a XXXX XXXX XXXX  credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXXXXXX XXXX  and never will. I have disputed this with XXXX, Experian, and XXXX to no avail.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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