davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: 1803 Capital, LLC (FL)

Since 2014 i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did use XXXX to see my credit report from Experian. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NC)

I am submitting this complaint because EOS CCA is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : account # XXXX, opened : XX/XX/XXXX, original balance Account information : account # XXXX, opened : XX/XX/XXXX, original balance {$380.00}, original creditor : XXXX  XXXX XXXX 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (NC)

I have engaged in the very tedious and lengthy process of requesting my PMI insurance to be removed. A duly filled out form letter was mailed to Newrez, my loan company during the month of XXXX. On XX/XX/XXXX, they cashed my check for {$190.00} to get a home evaluation done by a realtor of their choice. The said evaluation was completed by XX/XX/XXXX. As of XX/XX/XXXX, I still had not received any confirmation by mail on the decision to remove the PMI nor did I get copy of the evaluation for my home. After a XXXX minutes conversation with Newrez on the phone, it was confirmed that the PMI had been approved to be removed and that I would get a letter of confirmation by XX/XX/XXXX. I was also advised that they needed to recalculate escrow and that it would take a while. As of XX/XX/XXXX, I still had not received any copy of the home evaluation nor confirmation by mail that the PMI will be removed. I then called Newrez again. They advised that they had mailed a letter on XX/XX/XXXX confirming the removal ( I never received it and they do have my correct mailing address ) but indicated that it would take another XXXX weeks to get another letter confirming the new amount of my monthly payment. The nature of my complaint is that it seems this company is making it extremely difficult and unnecessarily lengthy to process such PMI removals. In the meantime, I am still paying {$400.00} per month for a PMI that I no longer owe. From XXXX till now XXXX where I am told that I have yet to wait another XXXX weeks to have the amount removed officially. I understand there are several parties involved but 4 months? does that seem reasonable? Also, this company is terrible in terms of their communication. They refuse to email information, use snail mail which takes weeks when we are now at an age where everything can be done electronically. Their representatives on the phone are not professional and give wrong information -today, the agent told me initially that my request was denied because of lack of signature. She corrected herself after putting me on hold to speak to a supervisor. I requested to speak to said supervisor and was told this was not possible. 
This might be common practice for mortgage companies to stall process to benefit mortgage company bottom line but this is done at the detriment of hard working consumer. Thank you for looking into this. XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (IL)

I have tried to log on to the website and online app in XXXX and XXXX to submit the payment on the due date, and each month it has been hit or miss if the online payment option is available. In some cases I have input my information only for the payment to keep not processing. This company only allows for 1 yearly waiving of the late payment fee which is {$41.00}, regardless if the payment is late due to their system failures or not. When I called to speak with customer service, no one is ever able to assist me, and they keep telling me to utilize other ways to pay, of which all require submitting the payment 5-10 days prior to the due date in order for it to post in time or charges you an additional {$10.00} processing fee. They take no accountability for the online payment option not working correctly, and make you feel like the issue you're having is isolated and has never been brought to their attention. I can never speak with a manager when I call, and the manager 's never call back when requested. I was advised to submit a request by mail or fax to apply an additional waiver of the late fee, to which I found that the fax number would not connect. I asked if someone would follow up if sent by mail or fax, to which I was told, no. They will either honor your request or do nothing. This has been an awful experience, and for someone like myself working to repair my credit, it's become more of a headache to keep calling and frustration to keep paying late fees in order to keep my account in good standing. Now that it's current and this has happened twice, I don't intend to use the card outside of emergencies, but it feel like a set up on their end to collect fees and extra money.
Consumer complaint received 2023-05-08
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/2020 I received a call from XXXX, they did not leave a voicemail. 
On XX/XX/2020 I received a call from XXXX, they left a voicemail at XXXX looking for a someone that I do not know. 
On XX/XX/2020 at XXXX I called the individual back and told them I do not know who this person is. They didn't ask me any other information, nor do I know what the debt was for. I then blocked the caller. 
On XX/XX/2020 at XXXX I received a notification from my phone that the caller from XXXX attempted to call me again.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have requested that this account to validated. I have requested the copy of the agreement we had and yet they have not sent it. I called and spoke with there credit department. A young lady that I spoke with promised that I will receive the proof that I owe this account in the mail. And I havent received anything
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

okay as a jp morgan chase customer i was in a state of un willingness trying to understand how a account and bank was shutdown and a community business all at one time and than companies like my self account was closed in that process leaving me stuck with a on going funding problem while i was a paying customer no bankers was there to help with adjustments i had to use a outside company to get part of what was lost there and than help me miss my impact payments that should have been going to that account now where is the legal help on the level of confusion left behind
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. 

This XXXX XXXX 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 2024-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (NJ)

I am submitting this complaint regarding my construction/mortgage loan with US Bank XXXX account number : XXXX. I received a XX/XX/year>XXXX  dated letter from US Bank Home Mortgage that my interest only construction loan will be converted into interest plus principal mortgage based on the full {>= $1,000,000} mortgage amount. However, during the loan process US Bank told me that this loan will be treated as a line of credit type of loan, therefore I will be liable for the amount that is only drawn or used. So far I drew only {$580000.00} out of the {>= $1,000,000} total credit line. But they expect me to pay the mortgage based on the total credit limit which is {>= $1,000,000}. I do not except these terms and conditions, and this is not in compliance what they communicated to me during the loan application process.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (SC)

XXXX XXXX, on behalf of XXXX, fraudulently accessed my credit report on XX/XX/year>. I have a credit alert on my credit report due to ongoing identity theft. I called XXXX to request they remove the inquiry. I was transferred to someone in XXXX who was adamant I give my full social security number. I refused and requested someone within the United States. To nobody 's surprise, they only needed the last XXXX digits of my social.
Consumer complaint received 2022-07-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 2288984 Ontario Inc. (VA)

Mr XXXX from XXXX XXXX XXXX called me about a debt from money key. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the money key loan of {$410.00} the loan is from XX/XX/XXXX. I called money key to see if I owed them money and it was paid off XX/XX/XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the XXXX XXXX XXXX. Please do what is necessary to stop my harassment.
Consumer complaint received 2023-06-03
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, XXXX, and XXXX.