davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (LA)

I've had an XXXX Credit Card since XXXX. XXXX 's administered the card until XXXX. The new card administrator became Comenity Capital Bank. Soon after Comenity took over, I called to redeem my XXXX points that I had on their takeover. They explained that I couldn't redeem my point for the $ XXXX/XXXX points, and that the only way to redeem them for the full rate was to offset a purchase for XXXX tickets or at XXXX stores. I have to renew my Saints season tickets by Friday, XXXX XX/XX/XXXXXXXX. I called on XXXX XXXX to let them know I was about to purchase my card and inquire about how to optimize my redemption of prior points. The agent at a call center redeem my points during my questioning for $ XXXX/XXXX points, giving me a {$300.00} statement credit. I told her that was not what I wanted. I was not read a disclaimer about the redemption. I asked to talk to a supervisor. I got a nice rep named XXXX. She didn't know how to reverse the redemption, so she asked XXXX of the other supervisors in her center. She told me she would transfer me to a higher level. I got a rep named XXXX XXXX. I explained the whole ordeal. He said he would have to go back and review my conversation with the initial rep and that he would call me by XXXX that night. All this happened on the same call into Comenity. I never got a call back, so I called back XXXX XXXX, asked for a supervior, and got a rep named XXXX. He read the notes on the account that XXXX XXXX entered. XXXX XXXX said everything was done correctly and that he'd tried to return a call to me. I had told XXXX XXXX to call my cell phone, and he did not. XXXX told me I have the credit on my account, and that's all there is to it. I got ripped off over {$300.00}, and I don't like it!
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

As of XX/XX/2021 we send a loan modification to Planet Home Lending to request a resolution to avoid a foreclosure but after being in review we had a denial and during the reviewed they never placed my foreclosure on hold during the reviewed. They send me a Denial Letter dated on and we called to find out that my house was going to go to Foreclosure in 2 days. I felt I was going to get a XXXX, I am an XXXX man and XXXX and this really hit me very hard. I am paying my XXXX Mortgage with XXXX Mortgage and I am in good standard. I am now getting foreclose on my XXXX mortgage which is Planet Home Lending and I am very scare of what this financial institution is trying to do with me only they want to take my home away. I had to hire an Attorney to stopped my foreclosure and see what he can do to get me out of this problem. But I need your help to get this company to give me a resolution or to give me more time to get a loan modification..
Consumer complaint received 2022-07-11
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. (TX)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : inquires not mine XXXX  XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

Why is Equifax allowed to automatically opt the whole American population into junk products like " The Work Number ''? I have never signed up for this service, and their stated argument that consumers benefit from such a service is bunk, given that every time I have applied for a loan the lender still requests copies of my pay stubs. My pay information should be between myself and my employer, Equifax should have no information to that effect. They have already proven themselves to be untrustworthy conservators of our data, given the debacle in 2017 where they exposed the personal information of more than half of the adult American population. I understand the need for credit reporting services, but we should not automatically be enrolled in every garbage product some twit at Equifax comes up with. I don't want Equifax retaining the data my employer provides them with, and given their track record, I want them to have as little information about me as humanly possible. They should provide an opt-out mechanism for their XXXX XXXX product, but unfortunately the best they provide is the ability to freeze the report which in my opinion is not good enough. If banks/employers/whomever wish to see my paystubs, they should ( and still do as mentioned above ) request them of me, not of Equifax.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have a sent out several Affidavits requesting proof of contract with the alleged owner of my mortgage. My mortgage increased substantially and I questioned the increase. Before this fraud claim was made. I have never missed a payment or been late. The Mortgage company has refused to provide me with a current contract between myself and them they keep providing my original contract but showing me a totally different mortgage payment. I have a fixed rate and set payment yet they increased my mortgage. So I have been sending numerous correspondence requesting proof of contact and they have not shown any. I have documentation that can be provided that shows negotiation attempts on my behalf to have the company go into a contract for a conventional loan. They have refused and continue to avoid providing me with and actual contract with their name and my name on ti with my signed consent to do business with them. I have paid my property taxes and homeowners insurance in full for the year. So I do not need any types of escrow holdings or accounts from this fraudulent company. They also sent out a unknown man to my home to intimidate and stalk my wife and children by taking pictures when I approached his vehicle parked infant of my door and asked who he was he just said Pennymac sent me you need to contact them. I have survenillance footage of this incident and Penny admits they sent someone to my home but won't release the persons name.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (CA)

In XXXX of XXXX I reported fraud charges to the Aspire credit card. They closed the account and sent me new card. Initially the credited the fraud charges however come XX/XX/XXXX they put those charges back on my credit card saying I owe all charges. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX charge {$28.00} XXXX XX/XX/XXXX charge {$62.00} XXXX XXXXXX/XX/XXXX charge {$51.00} XXXX XXXX - XXXX XX/XX/XXXX charge {$63.00} XXXX XXXX XXXX XX/XX/XXXX charge {$42.00} XXXX XX/XX/XXXX charge {$75.00}
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Gold Star Finance, Inc. (TX)

Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX Gold star finance XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-12-15
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. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (WY)

On XX/XX/2022, Allybank locked me out of my account. I only had an account with them for a few days. So I called customer service to find out why they locked me out of the account. I was then notified by a member of the fraud department that they locked me out because of suspicious activity. I informed them I am on XXXX XXXX orders and a member of the United States XXXX XXXX and currently XXXX to XXXX in XXXX. They then asked for pictures of my social security number and birth certificate. I told them I did not bring those documents with me on my XXXX. But I can give them a copy of my military orders showing I was in XXXX for official duty. They then told me that wasn't enough and ultimately locked me out of my account and closed it. I believe my military orders should have been enough for them to verify who I was and that I was not a person committing fraud. I called multiple times to try and get this situation cleared up but they told me there's nothing they can do.
Consumer complaint received 2021-02-12
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. (CO)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2020, I made payments on the XXXX app for Bank of America using the bill pay function. It thanked me for making the payments in both cases. However, unknown to me, the system didnt take the money from my checking account with Bank of America and apply it to the XXXX loan and the credit card as I was led to believe. I saw late payments on my statement and called in to find out that their system had an issue and didnt support that function. They told me that my credit repeat would be adjusted and not to worry. They lied.
Consumer complaint received 2021-08-23
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXXXXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

Cashapp withheld and applied money sent to me by a friend through their app to purchase something for the person. 

I have and outstanding balance on the app, which I pay from my personal checking account. Apparently cashapp is now withholding any funds that passes through their system, without prior authorization from the account holder.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Servicing was transferred including escrow XX/XX/XXXX. All tax and insurance including Flood information was included. Flood Ins was due XX/XX/XXXX. The bill was sent to the original servicer because the servicing transfer was not processed correctly. Neither the original servicer or the current servicer notified the Flood Insurance company of the change. Both are at fault and are violating the servicing transfer regulations. I have attached a copy of the pending bill that shows the original servicer still being listed that was provided to me yesterday by the Insurance Company. Last week I received a letter from my current servicer threatening to force place insurance if I did not " quickly '' provide evidence of insurance. I understand that my current servicer did not receive the bill and that my previous servicer should have forwarded it. I also know that the money to pay the bill is in my escrow account. My complaint is that I have contacted my current servicer, I was able to speak to an individual who sent me to the wrong department and then I was sent to another wrong department and they directed me to file a " Help ticket ''. I tried to " Chat '' that doesn't work well either. The press this number automated system is not built for a situation like this and I spent over 2 hours calling different numbers to help them resolve what is their problem. I have attached the response I received from the " File a ticket '' that I was directed to and that comes up when you select " File a Complaint '' on the website. The response says that they can take up to 7 days. I didn't get 7 days in the demand letter they sent to me. Meanwhile, I have no Flood Insurance coverage and according to the demand letter they will take something like {$2200.00} from my escrow account for the force placed insurance while my current policy is {$620.00}. I believe they will respond to you much faster and probably provide you with a contact. I only get a contact if I want a new loan. Appreciate your assistance!
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Citicard involuntarily closed all of my credit card accounts on XX/XX/XXXX according to the rep I spoke with on the phone today, XX/XX/XXXX. In so doing, Citi 's rep claims that I forfeited my cashback. Additionally, some of these cards charge annual fees and I have not been refunded those fees. The rep on the phone today escalated me to a supervisor who said she couldn't help me get back this 'forfeited ' cashback. The amount citi owes me are detailed below and total {$1400.00}. Additionally, this behavior is in violation of Texas Deceptive Trade Practices Act as codified in Tex. Bus. & Comm. Code ch. 17, meaning Citibank could potentially be subject to treble damages if they fail to resolve this claim. 

Card lasXXXX Type Value ThankYou Points Stranded Balance of XXXX XXXX {$1.00} XXXX Rewards for spend on final statement {$44.00} XXXX Refund Annual Fee {$570.00} XXXX Rewards for spend on final statement {$2.00} XXXX Reward balance at time of closure {$9.00} XXXX Reward balance at time of closure {$73.00} XXXX Refund Annual Fee {$95.00} XXXX Reward balance at time of closure {$12.00} XXXX Reward balance at time of closure {$35.00} XXXX Rewards for spend on final statement {$40.00} XXXX Reward balance at time of closure {$140.00} XXXX Reward balance at time of closure {$130.00} XXXX Reward balance at time of closure {$0.00} XXXX Rewards for spend on final statement {$140.00} XXXX Reward balance at time of closure {$160.00}
Consumer complaint received 2022-07-11
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. (AZ)

I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX