davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (GA)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX original creditor XXXX XXXX - continues to report to Experian and XXXX a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.
Consumer complaint received 2023-06-10
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX 2003 .... Balance {$6600.00} XXXX XXXX XXXX XXXX Balance {$4800.00}
Consumer complaint received 2023-05-16
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. (OH)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, XXXX, and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts are the fraudulent/unauthorized accounts in question : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-15
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. (FL)

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I am dealing with loan servicer Heartland ECSI. Initially I was not informed by the company that the student loan moratorium was no in effect for this servicer and received a letter that my loan was over due. Not only did I not receive any prior correspondence about this but the company purposely makes it impossible to use their website or their customer service to receive any information about this until a letter sent XX/XX/2022 which I did not receive for another month. Additionally, I was not even notified by my school or the company that my loans would be sent to Heartland ECSI before the letter that my payments are overdue. I have tried to make payments over the phone and over their website multiple times with no luck besides being sent in circles through their phone system and website. It is clear from their reviews that they are overtly involved in XXXX lending as they have over 100 1 star reviews. Although I think this company 's practices are XXXX  I would at least like to be able to pay my loan so it doesn't effect my credit score but they have made even this impossible. It is clear to me that they want me to default on my loan so they can collect the money in larger amounts as they overtly make it impossible to deal with any facet of their company, I have literally been unable to connect to any customer service through their website or phone service.
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX BANK XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late XXXX XXXX
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (SC)

Excessive fees that are abusive and outrageously expensive. Basically worse now than a payday loan that just results in bank making more money on more fees. On XX/XX/XXXX I had a positive balance yet on XXXX XXXX a fee was charged for item not showing pending that was not on debit card? I also complained of XXXX payment I didnt authorize in XXXX that later was credited XXXX XXXX your company still didnt respond or credit the overdraft fee. This is without question excessive to charge XXXX in XXXX alone with 23 overdraft fees! Thats more than some peoples Rent or mortgages. 
We have paid over {$2200.00} in fees since XXXX which is more than outrageous!! I have called and emailed only to be told the bank can not waive fees fee for the even even though our direct deposit will cover in a few days and they will not necessarily pay more than 3 a day and not charge a fee and can wait for a return thrn charge fees and charge fees on the small amounts and return utilities and important bills at there choosing and pay them later and charge 3 more fees if they choose.so when I ask about the 3 fees a day limit they say it really doesnt mean anything. Omg
Consumer complaint received 2021-07-01
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. (TX)

see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?
Consumer complaint received 2022-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is an insane amount of errors on my credit report and you refuse to fix them or delete the account. pursuant to USC 1681 B you have an obligation to do right by thr consumer and you will not abide by the rules.
Consumer complaint received 2018-11-01
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I received a bill from XXXX XXXX for my homeowner insurance on XXXX XXXX. The bill wa overdue since XXXX XXXX. This should have been paid by Loan Depot out of escrow account, I just did a refi, account XXXX. I called loan servicing and the gentleman said I should go ahead and pay it since I was without coverage, submit the receipt and they would reimburse me. I paid the {$700.00} bill and submitted the receipt. Then a XXXX XXXX said I needed to submit the original bill and declarations page from XXXX XXXX, they would pay XXXX XXXX and XXXX XXXX would reimburse me. I said that the issue was between Loan Depot and XXXX XXXX and I had already gone above and beyond. They refuse to reimburse me and I assume we will play this game every year.
Consumer complaint received 2021-11-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX DETERMINATION IS REALLY BY THE USDJ AS THE USDJ STIPULATED A SETTLEMENT TO BOFA. I MET THE CRITERIA. 

USDJ NFP 57064, DOJ AP 2016 00437 BOFA NEEDS TO CONSULT WITH THE USDJ ON THE FINAL DISPOSITION OF PENDING MORTGAGE CLOSURE, AS A SETTLEMENT IS A SETTLEMENT, PENDING UNTIL CLOSED OUT AS BELIEVED. ( {$350000.00} HAS BEEN PAID OUT IN REAL DOLLARS TO BOFA SINCE XXXX, UNDER A DIFFERENT MORTGAGE NUMBER INITIALLY FROM XXXX ). USDJ/FBI FILES EXIST. 
BOFA SOLD XXXX XXXX XXXX, THEREBY, SHOULD NOT DOUBLE DIP, AS HOUSE IS WORTH MORE THAN SETTLEMENT FIGURE NOW. ( THIS IS AFTER FAMILY PROTECTION TRUST PAID OUT A CONSERVATIVE FIGURE OF {$350000.00} IN REAL DOLLARS. 

Bank of America needs to concentrate on BofA USDJ Settlement disposition on XXXX, XXXX XXXX XXXX, XXXX, CA. 

Settlement appears to be still open. 

After approximately {$350000.00} in real dollars has been paid to BofA, the Settlement was presentedI accepted the criteria. 

I believe Bank of America should NOT take advantage of seniors. ( Elderlaw ) and double dip. 

CAN A REQUEST BE MADE TO BANK OF AMERICA, TO CONTACT THE USDJ, AND RENEGOTIATE WHAT BOFA SETTLEMENT SHOULD BE AT THIS POINT. THE USDJ KNOWS THE DETAILS AND SPECIFICS OF THE BOFA USDJ SETTLEMENT. 

PLEASE ASK BOFA XXXX XXXX TO CONTACT THE USDJ FOR SETTLEMENT DISPOSITION NOW. REFERENCE CONVENIENCE, THE USDJ/BOFA LETTER WILL BE ATTACHED TO THIS CFPB SUBMITTAL. THANK YOU.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I HAVE A XXXX CREDIT CARD, ITS A NAVY FEDERAL CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

In XXXX of XXXX, I made a monthly payment online to my mortgage company, Lakeview Loan Servicing. The payment posted, and then 7 days later, they took the payment out a 2nd time. I called and requested a refund. They required proof of the double payment, which I provided. A week before XXXX I had paid 2 mortgage payments, which affected my ability to provide a good XXXX for our family. I was told the refund would be issued by check. Finally after 3 weeks of waiting, the refund check came. 

In XX/XX/XXXX, I mailed a check for my monthly mortgage payment. My bank shows when the check was cashed by the mortgage company. I started receiving correspondence that my payment for XXXX was not received. When I called the customer service department, they stated my payment was not received and that I would have to provide evidence that the check cleared the bank, when I clearly have documentation that the payment was received. This issue has adversely affected by credit as it shows I have not made my XXXX payment. It is now XX/XX/XXXX, and after providing the documentation they require ( via email ), I still have not been called or notified by Lakeview that the issue has been resolved. Emails go unanswered, and no one will call me. 

As of XX/XX/XXXX at XXXX, EST, after finally getting through to customer service, they said it can take up to 5 to 7 business days to research the payment documentation I sent on XX/XX/XXXX. This is totally unacceptable. Their site shows I am 2 payments behind, when actually all that is due is the XX/XX/XXXX payment. At this point, I will definitely look at refinancing my loan with a local bank so I can get the proper handling and customer service my money and loan deserves.