davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (VA)

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, 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, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) 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.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (PA)

This year to date my bank charged me a total of {$3800.00} in overdraft fee. I called and asked if then could help me out and only got to waved. Been working thur the whole virus thing going on as a meat cutter and its busy plus even hard to find people to work. So when bus where on a limit scheduled I had to get uber at night to get home that was XXXX dallors one way.. I was now getting paid less cause just to get home at night. Then switched jobs and was making less then I was. Now in a another problem is landlord sold house and have no money to put down or go right now. Have no family to goto and going to be XXXX  by the XXXX of XXXX so I was wondering if you could help me out with BB & T Bank and see if maybe they could waive it because I have no luck with them my name is XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX and it would be a blessing if you can help me during this time thank you
Consumer complaint received 2022-08-21
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: Stern Recovery Services, Inc. (NC)

They have placed this duplicate charge on my credit ( the same amount twice ) which I have advised them of this more than twice, did a dispute thru XXXX, now XXXX and they still won't correct. I have explained each time to them their error, that it is affecting negatively my credit score and begged them to fix it. They still will not fix it. 


STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00} STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00}
Consumer complaint received 2022-08-21
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-19
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXt Account number # XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX acct 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 2022-08-21
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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.Ive also filed theft report to have matter deleted and previous cfpb complaint.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX Account number XXXX, XXXX XXXX , XXXX XXXX  acct 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
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime new Rez say they never reported it and every time credit beuros says its new Rez who has reported it.

I am attaching screenshots from previous complain where i stated new rez lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by new Rez with XXXX  with dispute number XXXX XXXX XXXX.
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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.Ive also filed theft report to have matter deleted and previous cfpb complaint.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

3RD COMPLAINT! XXXX XXXX XXXX ext XXXX WORST REP! NEVER RESPONDED TO OTHER 2 COMPLAINTS! need ORIGNAL COPIES OF XXXX XXXX ORIGINATOR OF LOAN! Showed proof of faxes since XXXX had a XXXX apt to call me back NEVER DID!!!!!!! FILED XXXX PRO XXXX SEND AUTHORIZATION FOR RECOVERY MODIFICTION.
Consumer complaint received 2022-06-19
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Bank Account # 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 2022-06-19
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. (LA)

Removed Incorrect Addresses Transunion XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX I
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express XXXX XXXX card expired XX/XX/XXXX. It is XX/XX/XXXX and I have not received a replacement. Despite this, I was charged {$250.00} annual fees on XX/XX/XXXX and XX/XX/XXXX. I reached out to American Express about the expired card XX/XX/XXXX. I have not received the card and American Express is refusing to refund the fees, claiming those are the fees for the card. But when I ask how can you charge me for a card that youve been unable to supply? they arent helpful. Id like my annual fee credited to the account and a replacement card sent for a third time.
Consumer complaint received 2023-03-27
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. (OH)

In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.
Consumer complaint received 2022-01-18
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. (CA)

I've tried explaining to this consumer reporting agency that I didn't authorize this reporting agency to report this inaccurate information on my consumer report. It is really starting to become a burden on me and my family.. this is a complete error on behalf of this reporting agency. I have never been late on my payments to XXXX XXXX and would like this matter updated to paid and current.
Consumer complaint received 2022-07-18
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)

I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently. I am requesting that the CFPB mandate that the credit bureaus delete all addresses that are not current IAW 16 CFR Part 641 or else file suit based on violation of law.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

I have a vehicle loan with XXXX XXXX for account # XXXX. On XX/XX/2022 my vehicle was repossessed incorrectly. They were claiming that I had not made a payment for 66 days and my account was past due. I told them that was inccorect and provide all my conformation # 's for my payments that were made. They checked their system and saw that I was correct and said they would bring my vehicle back and unwide the repo from my credit and any fee 's due to this mistake was going to be removed.. On XX/XX/XXXX they sent me a letter stating that due to my lack of payment on the account they were going to be selling my vehicle on XX/XX/2022 on or around XXXX XXXX I called and they explained that the letter generated " Before '' they could unwind the repo because they are busy and it takes days to complete something like that. I asked them to guarentee me that my vehicle would not be picked up again and that this was coming off of my record and they said yes. Now here we are on XX/XX/2022 and I received an email stating that I owe {$1500.00} and that out of that amount supposedly some of it is fee 's from the repo. The amount and the fee 's are both totally incorrect and I am in fear that they will repo my vehicle again incorrectly. I need all the fee 's they are claiming incorrectly off of my account, the repo unwinded and for me to stop getting incorrect emails. All this is causing so much stress on me. I am constantly having to call them when I get stuff like this which resolves nothing because I can't ever speak to a manager and all the " Customer Service reps '' are always extremely rude.
Consumer complaint received 2021-08-10
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. (NC)

This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime XXXX  XXXX say they never reported it and every time credit XXXX says its XXXX  XXXX who has reported it. 

I am attaching screenshots from previous complain where i stated XXXX  XXXX  lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by XXXX  XXXX  with Transunion with dispute number XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (OH)

Moved from XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX would not cancel internet in advance and account would remain open until equipment was returned and processed. There was NO LOCATION to return equipment in person ( ALL were closed ) ; there were NO SHIPPING MATERIALS received to mail. We incurred a debt past service, past the date we MOVED from the location. Was not our debt since we tried to cancel in advance. 
The debt is for {$240.00}. 
In XXXX of XXXX, our Mortgage Company contacted us with financial improvement and suggested we pay a Credit Control Corporation ( CCC ) debt on my Credit Report for XXXX XXXX. They asked that we provide a LETTER OF DELETION from the Credit Bureaus/Credit Report AFTER the payment was made. 
Credit Control Corporation, on XX/XX/XXXX, said they do NOT own the debt, they do NOT provide Letters of Deletion to consumers, but could provide a receipt, showing confirmation of amount of Payment TO CCC ( Not Frontier ). They could also send a letter via USPS ( snail mail ) reflecting Payment in Full. I was uncomfortable paying a collection agency who doesn't actually OWN this debt. 
I then called XXXX XXXX. They were willing to accept payment but verbalized ( on XX/XX/XXXX ) that they would NOT clear it from the Credit Bureaus and it would remain for 7 years from XX/XX/XXXX. 
I would like this collection removed from my Credit Report.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX was contacted by a man who claimed to be a XXXX XXXX ( used name of a real XXXX XXXX ) and claimed I had a federal warrant for failure to appear for jury duty. Informed me {$3000.00} to court clerk would put a hold on warrant until I appeared in person. Was told I would get money back on appearance at XXXX 's office. Was told I needed a Gift card to access XXXX at XXXX office which would be refunded.. Unfortunately I cooperated. This involved XXXX of my credit cards and paypal. I shortly thereafter called the police and the XXXX 's office and realized there was no warrant and this was fraudulent. 
I contacted XXXX, my XXXX card, my XXXX XXXX card, and My Citi card. XXXX and XXXX XXXX immediately accepted the fraud complaint, cancelled these two cards and stopped the transactions. 
XXXX did nothing in spite of numerous emails. In fact the next day the man responsible sent a message through XXXX that I was to have paid him {$3000.00} TWICE. Citi took my contact information and assured me this would be shut down. They cancelled my card and issued a new one. This was done within one hour of the fraud. 
I have had six phone conversations with their fraud department, each time with them telling me there was no record of my calls but it would be taken care of. I have since received a letter that I was responsible for the charges. I made no progress with my SEVENTH call. I have since mailed two letters. I doubt there will be any response The XXXX Texas Police and the XXXX XXXX are aware of this but have no resources to chase this down. The woman at the XXXX 's office was very familiar with this already.

Two of my three involved cards shut this down immediately but Citi, even with my prompt reporting of the fraud did not HELP at all. In fact, each phone call I made was with me emphasizing the importance of this being shut down quickly with Citi reassuring me I would not be held responsible ... and then I have been told I am responsible. Hope fully this explains my situation