davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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. (NY)

I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from Equifax. I followed up with a letter on XX/XX/2021. I have received no correspondence from Equifax regarding this request. 

I sent the same request to XXXX  and XXXX, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX  and XXXX  both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX  received on XX/XX/XXXX and XXXX  received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-04-06
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

It was a debt originally from XXXX XXXX XXXX company Now owned by Credit collection services date XX/XX/2020 amount {$330.00} what happened was I Uptained automobile insurance from XXXX XXXX and because of a mistake they made they tripled my insurance rate and all this during covid 19 which I lost my job and told them I can't afford triple the amount and let them know I was canceling service because I lost job and couldn't afford triple the amount because they made a mistake they said ok and that was that then they put it on my credit which I have disputed and get no response please have them delete this from XXXX  XXXX  and XXXX  thank you so very much how can an insurance company sell this to a collection company during covid19 its not right and destroyed my credit please help me the company is CCS Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ... phone number XXXX
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/2020 I received a copy of my credit report from TransUnion, XXXX, and XXXX. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I recently refinanced my home mortgage with the existing mortgage holder. Initially I had been told that I would be able to transfer my current escrow account from my old loan to new loan. This was the deciding factor on why I stayed with the same company. 

Just prior to closing, I received a call from XXXX XXXX stating that SLS required the escrow amount for the new loan up front and they would refund me the current balance XXXX {$3900.00} XXXX after the loan had closed. 

I have learned today that {$1500.00} of the prior escrow will be refunded and the remaining balance was transferred over to the new loan ; s escrow account. This contradicted the agreement where I had to front the escrow funds and would receive the current balance back afterwards. 

I called SLS today and was told they had no idea why this had been done like this and it was not normal. the representative indicated that she would request the escrow account to be evaluated to determine why it was not processes as agreed upon.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (KY)

On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SEMPER HOME LOANS, INC (FL)

Back on XX/XX/2021 through XXXX, I found Semper Home Loans that was offering a competitive refinance rate of 2.375 % for a 30 year fixed mortgage. They sent me a list of paperwork that they needed to secure the loan and I responded with everything they asked for within 5 days. I have nearly 60 emails from the four loan originators that I have been dealing with to prove the timeline and delays on their part submitting my information to the underwriters. These delays have now allowed them to claim that the rate lock has expired and that rate is no longer available. 

How can a mortgage broker be allowed to advertise a rate and then simply use delay tactics to run out the rate lock that causes a substantial loss in the tens of thousands to me over the course of the loan. 

I'm not sure how much documentation you will need at this point, so I will wait to here back from you before deluding you with files and emails. 

The last person from Semper Home Loans that contacted me was : XXXX XXXX Senior Loan Organizer NMLS # XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, RI XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud XXXX XXXX XXXX COLLECTION ORIGINAL CREDITOR PENTAGON FEDERAL CREDIT UNION ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (MI)

On XX/XX/2021, my identity was used to fraudulently open an installment loan for the purchase of appliances at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. 
The thief applied for the loan by phone and email through American First Finance and received approval for the loan amount of {$3300.00} from XXXX XXXX. 

The thief used an old address, old phone number, and was not asked to provide any ID to complete the purchase. The loan application and sales receipts don't even have addresses and phone numbers that match. 

I have disputed this account with American First Finance and I am being ignored by XXXX bank. XXXX tells me to deal with American First Finance because they are the loan servicer. 

I have filed reports with the FTC, XXXX, and local law enforcement but all attempts to remove this fraudulent account from my credit have failed. 

I have been deemed responsible for a debt that I did not initiate, authorize, or received goods for, all because these three companies did not confirm the identity of the person who opened this account.
Consumer complaint received 2021-04-06
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 (CA)

Paypal deducted all balance on my account to theirs, that amount is {$1400.00} USD on XX/XX/2020. 
I was supposed to withdraw the money from my paypal to my own account. However, paypal broke its own rules. It says, the funds will be on hold for 180days, and we will notify you then to withdraw the money. The 180days limitation means, I will get the money after 180days, but its a lie, they took the money from me without letting me know. I can own check it through recent activities. That sucks! such a big platform taking money from its users. 
good thing is, I was told you can handle this, everyone says CFPB is really a great place to report cases like this. 

I wish you can help me to investigate on this and help me to get the money back. my paypal email is XXXX XXXX
Consumer complaint received 2021-04-06
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-06
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: TRUIST FINANCIAL CORPORATION (FL)

REGIONAL ACCEPTNACE CORP has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.
Consumer complaint received 2021-04-06
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. (CA)

we contacted the XXXX XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the account.
Consumer complaint received 2020-11-30
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. (NY)

This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.
Consumer complaint received 2024-09-15
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. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX XXXX XXXX, Account name : #, Account name : #, Account name : # 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 an 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 2020-11-30
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. (TX)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-07-14
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)

Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d.

- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX  bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is illegal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. 
( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-11-30
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: Prosper Marketplace, Inc. (AR)

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for International Paper Mill when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through Prosper MarketPlace, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XX/XX/XXXX with Prosper MarketPlace.That when the fight began it was put on my credit report knowing it was not my SSN that Prosper had used to create this account.I filed a complaint against Prosper in the year XXXX through CFPB, as you can see there is no signature on documents from Prosper, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by Prosper Marketplace.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-05-12
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: LEXISNEXIS (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists