davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I have not given Equifax permission to appropriate my name and/or likeness. Equifax has not compensated me for using my name and/or likeness in a commercial capacity for gain, and therefore, they are required to remove everything from this credit profile that i demand as it violates consumer protection laws, privacy laws, and federal and state laws and statutes. 
1 ) I have demanded several times for Equifax to remove ALL addresses except for the address that I've provided, which is my current address. The most recent time was XX/XX/2021. I had this letter served to their registered agent, XXXX XXXX, by a process server on XX/XX/2021, because their attorney, XXXX XXXX refused service on XX/XX/2021. We are currently in litigation in the United States District Court docket # XXXX. There is no permissible purpose by law for Equifax to continue to list addresses that are not mine and that I have not given them permission. ( See attached screen shot of the addresses, and letters ). 

2 ) On XX/XX/2021 and XX/XX/2021, I sent notice to Equifax to remove the " Fraud Alert '' from my profile as it is blocking me from being approved for and using my credit. This was also provided to their attorney, XXXX XXXX. They have failed to remove the " Fraud Alert '' to-date.
Consumer complaint received 2022-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

In XXXX I was adjudicated to being 100 % XXXX veteran which allowed me to exempted from state property tax on XX/XX/XXXX I was informed that I was approved for exemption by my mortgage company who I had just refinanced with, they charged me closing taxes and rolled over my existing escrow totaling over {$5000.00}. In XXXX I was to be issued a check and to wait 30 days to receive that check in the amount of {$2500.00} to which I have never received. I waited 45 days for the check to arrive and called Freedom Mortgage back letting them know I wanted the check to be re-issued. I was told it would be re-issued and to wait two weeks to receive it. I waited 2 and a half weeks to receive the check and it never arrived. I called Freedom Mortgage back and they said they would issue a check again. I still have not received my tax refund check and it has now been over 3 months. I have called them and they are not able to provide my tax refund due to not having the funds in escrow. They have since sent a letter saying my payment is going up {$60.00} in XXXX due to not having enough funds in escrow due to my homeowners insurance going up and that they are going to refund me {$1600.00} and to expect any additional monies. 

Furthermore when I asked to speak with a manager they said there is no direct contact with management to resolve customer issues, and had me hold until someone came available.
Consumer complaint received 2022-06-21
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. (PA)

I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX XXXX FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Consumer complaint received 2022-06-21
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. (FL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According 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 According to : 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. 

XXXX and XXXX had deleted my bankruptcy but XXXX and Experian are not complying to the law.
Consumer complaint received 2021-09-30
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/2021 I was at XXXX XXXX in XXXX, PA, XXXX. I thought I was scheduling my upcoming oral XXXX. They had me sign a form on a tablet, which I assumed was permission for my XXXX. Unknown to me, I was signing a new Credit Inquiry for them of {$1400.00}, that they wanted in order for them to even do the XXXX! I have called Comenity Capital Bank, XXXX  XXXX  XXXX  and XXXX XXXX to no avail. I was on the phone 3-way with XXXX before my appointment, and with my insurance company, XXXX XXXX XXXX and XXXX was assured that I was fully covered. I am trying to repair my credit, and I do not want this Hard Inquiry on my report for 2 years, whenever I did not authorize it in the first place!
Consumer complaint received 2022-03-04
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. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar Loan ( Mortgage ) As per the Cares ACT, Flagstar is in the process of loan modification of my primary home loan. My mortgage did not have any escrow account previously but when the loan modifications documents arrived, there was an shortfall of {$9100.00} added to the escrow calculation in the paperwork. After calling Flagstar it was determined that although it was not an escrow account, they paid my property taxes ( and insurance ) of which they received back the amount of the property taxes back from the taxing authority as I had also paid the property taxes. This was confirmed by their escrow representative XXXX on XXXX on the phone with me. I am trying to get the loan modification document re-drawn reflecting without the property taxes since XXXX but there are been no resolution. I call at least 3 times each week ( I have records ) speak to agents and the escalation teams, they promise to resolve this every time and I keep getting the run around. The different departments Customer Service, Escalations, Escrow, and Underwriters seem to be very dis-jointed. No one person will take responsibility to resolve the issue. They promise resolution and ask me to call back and I get the run-around again. Extremely poor organization in this regard which leads to bad customer satisfaction. I am afraid that they will tag my loan as delinquent and process foreclosure against the Cares Act. I have returned the loan modification document with a covering letter, uploaded the covering letter to their website under my loan, called them at least 12 times, but no resolution. I need this resolved immediately.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Our XXXX city taxes were not paid by our mortgage company, Mr. Cooper. I was notified by our city dept in XX/XX/XXXX. I worked with Mr. Cooper and on XX/XX/XXXX, Mr. Cooper completed a tax analysis, corrected the tax amounts for both the City of XXXX and XXXX XXXX. The XXXX city taxes, {$550.00}, were then paid correctly. At this time ( XX/XX/XXXX ), they also showed the correct amount for XXXX XXXX, {$1800.00}. On XX/XX/XXXX, I received a new tax analysis that changed both XXXX of XXXX ( {$66.00} ) and XXXX XXXX ( {$220.00} ). These were not the correct amounts. I retreived the XXXX tax statements from both XXXX XXXX ( {$1800.00} ) & the XXXX of XXXX ( {$550.00} ). On XX/XX/XXXX, I sent a message after hours within Mr. Cooper 's secure message system with the tax statements and a request to have them pay the correct amounts to both the City and County. I also asked for them to call me and confirm this was handled. My wife called on XX/XX/XXXX and talked to their XXXX dept. She was told this was being escalated and it would be handled. They said the would follow up once it was resolved. On XX/XX/XXXX, I called Mr. Cooper because I had not received a follow up call. I was assured this would be handled and the taxes would be paid. I called again on XX/XX/XXXX. The agent worked with me to find the correct tax amounts online and entered them into their system. He then worked with the escalation team and they said this would be paid on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, neither have been paid and we are getting the same story from Mr. Cooper. The property taxes are now late.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I recently reviewed my credit report and found that the last four digits of my social security number are being reported incorrectly on my Experian credit report. Because of this error my Experian credit report does not generate a credit score and several items that do not belong to me appear on my credit report. I am attaching a copy of my social security card that shows the correct social security number. I am also attaching a copy of my current state photo ID and birth certificate. I am disputing the social security number that Experian has on file. I am also disputing the following two accounts that do not belong to me and are showing on my credit report due to the incorrect social security number that Experian has on file. The two accounts I am disputing due to the incorrect social security number are : XXXX XXXX XXXX  : Balance {$900.00}. The second account I am disputing due to the incorrect social security number is : XXXX XXXX XXXX : Balance {$19000.00}.
Consumer complaint received 2021-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This all started when i got a loan from the bank for finance my vehicle in XXXX of 2021. Little to my knowledge, they listed my loan under someone elses social so i could not register for online management. In XXXX of 2021 they said that they had separated the accounts and walked me through how to set up the online management. This was on XX/XX/2021. On XX/XX/2021 my credit report updated and i got an alert on XX/XX/2021. The alert was telling me that my credit score had dropped. I logged in and saw i lost 88 points. I called the XXXX and asked what was going on. They were looking and said that a BOA credit card account had been added to my closed account section. Why was this on my account? Ultimately what BOA did was now move the other persons negative account to my positive account causing the point drop on my credit and a denial for a refi.
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX 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. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (TX)

Between XXXX XXXX of this year, I contacted Macy 's credit card department via secure message to inform them of my financial situation. In the first message, I asked to be contacted by email or my mailing address. Each time I sent a message, I received the same message from them. It seemed generated and directed me to call them. Between XXXX XXXX, I submitted another secure message, this time ceasing all telephone communications as per Fair Debt Collection Practices Act ( FDCPA ). Because these messages were being ignored ( continued calling ) & the responses given were all the same, I mailed a CEASE letter to the address provided for correspondence on XX/XX/XXXX. According to the tracking, this letter was delivered on XX/XX/XXXX. With each submitted request, this company was given plenty of time to remove my number from all their communications. Unfortunately, this company has refused to do so and calls have continued. In one day, I receive between 6-8 calls from this company alone. I refuse to answer, and this company can not harass and annoy me to answer. Whatever this company is trying to communicate through these calls can also be communicated in an email or letter sent to my address. I have already communicated with them regarding this debt and provided 2 other ways to communicate with me. These harassing and aggressive phone calls are not going to make money that I do not have suddenly appear. I know this company is within its rights to collect this debt ; however, they can not do it by violating my rights. Again, I have made every legal action and attempt to communicate with this company regarding this debt. by sending a letter detailing my financial situation as well as ways to communicate with me. This company has refused to comply with my written requests to cease all telephone communications. This company does not have the right to continue to violate my rights because they do not like or accept the response given regarding my financial situation and this debt. I am unable to resolve this matter amicably and professionally. This is the next step.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (IL)

I received a letter dated XX/XX/2021 from Synchrony Bank. The letter indicated that Synchrony Bank sold my personal information to a third party debt collector. I did not consent to Synchrony Bank selling my information to a natural person or a corporation. The alleged debt is disputed. Synchrony Bank selling my personal data to anyone without my permission is identity theft.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/22 my account was breached and unathorized transactions that stole {$3100.00} from my acct.The bank never notified me but the hackers did.I went to the bank on XX/XX/22 and had all mynaccount numbers changed and new cards issued.On XX/XX/22 my new account was breached again for {$340.00} while i was making police report again bank never stopped the activity and never notified me.Again had all accounts numbers changed again. On XX/XX/22 my @ nd new account ws breached again for {$1000.00} for the third dy in a row and the bank failed to stop it knowing my acct was breached prior two days before. all transactions were thru XXXX money app. Bank has done zero to stop these transactions and hasnt a clue to how this could happen.ive had my phone inspected by XXXX and XXXX XXXX and at no time did i have any viruses on my phone as the bank suggested. either the bank has a virus in its system or this was done from inside the bank. If i make multiple tranactions on my debot card the fraud dept puts a block on my card with no warning and i have to call them but they allowed 31 transactions to go thru my acct with out even thinking its fraud ... ....
Consumer complaint received 2021-11-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

Navient has listed an account on my consumer credit report. Navient is providing false, misleading and deceptive information to credit reporting agencies. Navient has failed to provide a full file disclosure. Navient did not provide an original contract from the original creditor with my wet signature.
Consumer complaint received 2022-04-24
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. (NC)

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 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.