davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

Hello I have contacted Suntrust about XXXX charge several time and filed a dispute. Suntrust dont email the dispute documents for me to complete. I have contacted the XXXX  and they are giving me the run around, so I emailed dropping the class before it started. Below is the email I sent to XXXX on XX/XX/2021 Orientation was today. I could not get into the orientation because access information was not provided. I called the day before the tech day to make sure I had the info but, was supplied inaccurate information. I have emailed the instructor and called. I have been on hold for almost an hour. This is the 3rd time I have called about the same problem with ridiculously long hold times. 
Why would an orientation class be held without having help in place? 
Does a school open without staff? 
At this point its hard to see how XXXX really cares about educating students when they leave them hanging like this.
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: EQUIFAX, INC. (CO)

In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

To whom it may concern. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and VALIDATION is requested. On XX/XX/2021 you sent me a " verification '' letter, or proof of my address which is unacceptable as VALIDATION made pursuant to FDCPA, 15 USC 1692g. I respectfully request your office provide me with copetent evidence that I have a legal obligation to pay you. At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitutute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provided the proper documantation as requested in the following Declaration, I will require 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit.This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/XXXX, my XXXX credit report showed a derogatory mark, that a report had been filed with a collection agency. The collection agency : Bull City Financial Solutions, supposedly opened a collections matter for approx {$270.00} on XX/XX/XXXX. XX/XX/XXXX is the first time I learned that such a matter had been opened. I contacted the collections agency, and learned that an account with XXXX XXXX that closed in XX/XX/XXXX was referred to collections. This is the first I learned that such an account existed. The collections agency could only give me the creditor name and account number ; however, could not give me a name or address associated with the account. When I attempted to search for the account online in the XXXX XXXX account portal, there was no account listed. I contacted XXXX XXXX 's customer service team, and they were unable to find any record of an account with the account # provided by the collections agency in their system. I spent several hours on the phone with XXXX XXXX customer service representatives, and none were able to locate any documentation associated with the account ending in # XXXX. Despite it being more than 30 days since the collections matter was opened, I have not received a validation notice.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 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 XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$24000.00} XXXX  XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXXXXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} Equifax Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed XXXX {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt collector : XXXX XXXX XXXX Collection amount : {$1000.00} Acct # XXXX
Consumer complaint received 2021-01-21
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. (MA)

There is an account being reported on my Experian report from XXXX XXXX with a balance of {$570.00} that was opened in XXXX fraudulently using my name, social and my month and day of birth, however the year was changed to make me appear to be XXXX ( I was XXXX in XXXX ). I disputed this information with XXXX XXXX they agreed this account was fraud and sent me a letter stating this. They also said they would submit the info to credit bureaus to remove. Both XXXX and XXXX removed, however Experian did not. So I submitted a dispute to them XX/XX/XXXX including the letter from XXXX XXXX that this account was fraud and was to be removed. On XXXX less then 12 hours later- I received notification that they " verified the account and it remains ''. I spoke to XXXX XXXX they again told me that this account was not verified as accurate and should be removed. I called Experian and was told all I can do is resubmit a dispute- which I did XXXX and again on XX/XX/XXXX was notified of same results. This account is fraud. The company that reported this account stated it was fraud as I was a minor and someone used my info and should be removed. Yet Experian even with the letter from XXXX XXXX is not removing. Therefore not accurately reporting.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (FL)

Paypal claims that I submitted a chargeback and is billing me XXXX to cover the XXXX chargeback amount, plus a {$20.00} fee. They have sent me emails saying " this is an attempt to collect a debt '' but they refuse to verify/validate the debt or provide any evidence that the debt is actually mine. I did not file a chargeback, and have asked them to dispute within theb30 day window, despite them not advising that the 30 day window was there. I asked for a written validation of the debt with an itemized list of what was being charged, and why they believed I owe it. Paypal refused to provide validation saying that they do not have a way to provide that information. While I wish this could be explained through a scam company, all of this transpired directly through the paypal app 's secure message center. They refuse to verify the debt, or allow me to dispute it. They have also forcefully taken the money they claim I owe from me, without my consent and refuse to return it.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX  Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX have 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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Can the CFPB look into my problem asap? I'm attaching a letter from the courthouse stating that they do not verify bankruptcies, letter from XXXX XXXX indicating the deletion, and a copy of the dispute from Equifax stating that XXXX XXXX verified their public information. The FCRA requires that they have a verified and validated contract on file for the bankruptcies. MY RIGHTS ARE CONTINUOUSLY BEING VIOLATED and this issue is causing me a lot of stress and financial harm.
Consumer complaint received 2022-06-23
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. (DE)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-05
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have filed complaints and have tried to contact Nationstar to discuss loss mitigation but they refuse to talk to me. Loss mitigation companies, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, both tried to call them many times since XXXX of 2021 to help me with loss mitigation but Nationstar has refused to talk to them also. 

Nationstar 's attorney told my attorney that I should not have a problem talking to them, however, that turned out to not be the case. They obstruct any way for me to make payments or to do loss mitigation. They did not honor a loan modification that I got from XXXX  XXXX XXXX even though I made every payment according to the loan modification. They do not even send out monthly mortgage statements. This company does not do what they say they are going to do. They tell the CFPB that they will respond to my complaints but not only do they not respond but they will not talk to me at all. 

I have put my life savings into this property and I don't have enough time in my life to do it again. 
They just want to steal my house and it appears that they do whatever they can to make that happen. They try to take advantage of older people as they think they can get away with it. This needs to stop!
Consumer complaint received 2021-01-21
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. (UT)

I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX  and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.
Consumer complaint received 2020-08-12
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

My wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX  ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD. 
In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD  REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX  and XXXX  within those 7 business days by letter. 
My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information. 
Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD.  My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD. 
To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.
Consumer complaint received 2021-02-09
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. (NY)

I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus Experian & XXXX. XXXX has removed the account but Experian & XXXX have not.