davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goo.ds, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AZ)

On XXXX XX/XX/2022 I received a letter that was actually mailed on XX/XX/XXXX from home point Mortage. Like I stated, I did not receive the letter till XXXX XXXX. ( Regulation # XXXX ) It made its rounds to at least two or more different houses in our city, before finally coming to me. It was a notice of transfer of servicer. They also changed the loan number. I paid my payment on XX/XX/XXXX and then again on XX/XX/XXXX. Home point mortgage company is reporting my mortgage as 30 day late for the month of XXXX. 
I have never been late with my mortgage payments. I did reach out to XXXX on XX/XX/XXXX, and on XX/XX/XXXX and XX/XX/XXXX, to see if they would be willing to resolve this matter on their end but it was to be no avail. each time I was told to just go through : : XXXX I sent them through the customer support.com the documentation of the photo of the letter that looks like Ive been run over by a truck when it sent to the wrong addresses. The multiple times that I did talk to home point customer service I was told I had to do it through their customer support email and upload my document or any thing else which I did all I kept getting back was automatic responses.. 
Due to this action by Homepoint, Ive not been able to refinance my mortgage and it did decrease my credit score.. 
I am asking for an immediate removal of this from my credit report. once again this is harming me from being able to do a refinance and it has decreased my credit score. Through no fault of myself. 
This is an FHA loan and Ive been on time.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Lost my job due to Covid. Applied for forbearance under the Cares Act. The mortgage companys website states that one can apply for streamline refinance while under the forbearance plan if the loan is FHA or VA. Nowhere on the website states that one has to be off of the forbearance plan and have had made 3 on time payments to be able to refinance. I am including screen shots of Freedom Mortgages website that says if you are thinking of refinancing while under forbearance ... but when I called them to do this, they tell me no, you have to be off of forbearance. One of the main reasons I went under forbearance was to be able to refinance WHILE under the plan and be able to lower my monthly payments. After all, forbearance is to suspend payments you can not make and does not make sense to have to get off of the plan, have to had made 3 on time payments to THEN apply to lower your monthly payments?
Consumer complaint received 2022-09-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-12-14
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. (IA)

These accounts listed are the issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts listed have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request these companies provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, these companies can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority do they have to collect this debt in the United States? If these alleged debts can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate information 's would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to a consumer reporting agency, these companies knowingly are reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. These companies policy do not supersede Federal Law. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (RI)

THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX SS # XXXX DOBXX/XX/XXXX Account-Capital One Bank Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XX/XX/XXXXto XXXX , XX/XX/XXXXI recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Capital One Bank These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I have XXXX loans being serviced by EdFinancial. XXXX is a XXXX - XXXX loan ; XXXX is a XXXX - XXXX loan. I did not make payments on the loans while the XXXX forbearance was in effect. 

On XX/XX/2023, I made a trial payment of {$360.00}. 
On XX/XX/2023, I made a payment of {$20000.00}. 
On XX/XX/2023, I made a payment of {$430.00}. 
On XX/XX/2023, I made a payment of {$460.00}. 

With XXXX of the XXXX payments ( I believe the first, but nothing on the website will confirm ), I paid the remaining balance due on the XXXX XXXX. With the second payment, they auto-allocated a portion of the payment to the satisfied loan, resulting in that account having a negative balance. I could not override that. 

I have made multiple phone calls to address this issue. I can not make additional payments toward my existing loan without XXXX auto-allocating a portion to the satisfied loan, thus growing the negative balance. When I try to allocate that payment to {$0.00}, I get an error message. 

I made my first call to the company at the end of XXXX or early XXXX ( did not record the date ) and was told that this was my error. It was only after about an hour on the phone that the representative understood what was happening. 

I called again on XX/XX/2023 and was promised a return phone call by the end of the week. No call was received. 

I called on XX/XX/2023 and made XXXX progress. I was told that it is " processing. '' However, nothing on my end of the website indicates that any action has been taken. I am still unable to make a payment without a portion being assigned to the satisfied loan. The website will not let me set the payment amount to {$0.00} ( or to anything less than {$140.00} and change ). 

During multiple phone calls, I have been told the following : It can be escalated but all of the supervisors are out. 
Nothing can be sent in writing about this issue. 
Someone will call me back by the end of the week ( XXXX weeks ago ). 
That they will fix this and that my interest caused by this delay will be retroactively reversed ( seems unbelievable ). 
It can not be escalated because it has not been XXXX business days ( inaccurate ). 
The overpayment will be credited to my account ( has not happened ). 
I will be contacted by a supervisor within XXXX hours ( TBD ).
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their mishandling of a disputed collection account reported on my credit file. Despite my repeated attempts to resolve this issue, XXXX XXXX XXXX has not addressed my disputes adequately and continues to report inaccurate information on my credit report. I had a collection with XXXX and I filled this collection in my Bankruptcy. I would like to know why it is showing back on my credit report. This collection has lowered my credit score. I sent an email back on XX/XX/XXXX. Asking them about this. I haven't received a response back. I would like this item removed from my credit report. I've contacted XXXX XXXXXXXX XXXX to assist me with the issue to get a response back from XXXX. They stated they are not reporting this and to contact the credit bureaus about this matter. Credit Bureau Equifax says they are furnishing the information to them that's the only way the item is getting reported on my credit report. I filed Bankruptcy in XXXX of XXXX, and the case was dismissed in XXXX of XXXX. My updated credit report showed the item removed. In XXXX in XXXX XXXX rereported the information to Equifax to be added back to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, credit inquiries can only be made with permissible purpose. XXXX XXXX XXXX did not have my permission to conduct this inquiry, which constitutes a violation of this law. As per the FCRA, I am entitled to damages of { {$1000.00} } per violation. Inadequate Dispute Responses I have been disputing the following collection accounts for months, and XXXX XXXX XXXX has failed to provide a satisfactory response : Despite my repeated disputes and submission of supporting documentation, XXXX XXXX XXXX has continually responded with generic letters, failing to address the core issues of my dispute. The letters I received simply state that they manage the account for XXXX XXXX XXXX and have initiated a review. Under FCRA Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. XXXX XXXX XXXX has not complied with this requirement, as the disputed accounts remain inaccurately reported on my credit report. Please find attached copies of the responses from XXXX XXXX XXXX and my credit report showing the unauthorized inquiry. Thank you for your prompt attention to this matter. Your assistance is greatly appreciated.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-12-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

incident date : XX/XX/2023 Bank of America. XXXX Amount : {$2000.00} I found out that there were 2 unauthorized transaction via XXXX in Bank of America. 
Total amount was {$2000.00}. The money was sent to XXXX I never had a transaction history with this recipient.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (LA)

Experian received my XXXX correspondence on XX/XX/2023. No WRITTEN response as of XX/XX/2023 ( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( a ) ( 1 ) ( A ). I have not received any WRITTEN response within the given 30 days of a reinvestigation on XXXX consecutive occasions. It has been beyond 90 days without any WRITTEN response from Experian on a thorough reinvestigation. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( a ) ( 2 ) ( A ). I never received " A Prompt Notice of Dispute '' in WRITTEN form at any time. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( 5 ) ( A ) ( i ) ( ii ). The XXXX accounts that were requested to be physically verifiable were not ( i ) Promptly deleted or ( ii ) Promptly notified of modification or deletion. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( 6 ) ( A ) and ( B ) I have received NOTHING in writing from Experian and I have NEVER authorized any other communication besides " In Writing ''. 
Experian is completely incapable of providing CLEAR evidence that they are not in violation of the items stated above.
Consumer complaint received 2022-05-02
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. (CT)

n accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I would like to inform you of a blatant case of negligence and gross mismanagement at Bank of America ( BOFA ) which has led to a fraudulent theft of {$15000.00} from my checking account. I wrote a check for the forementioned sum to the US Treasury as an estimated tax on XX/XX/XXXX and mailed it via the USPS to the IRS. Upon checking my online account on XXXX I noticed that the check was cashed on XX/XX/XXXX, but not by the XXXX Treasury but by a fraudster. My check was crudely and obviously doctored to place the bogus name in the payee line and the memo line which contained my SS #. Doubtless the check was deposited into a fraudulent account via an ATM or cell phone and obviously no sentient employee at BOFA looked at the check ( or its image ) to determine whether it was authentic or not and additionally BOFA appears not to possess competent image processing software useful for identifying blatant fraud. 

You would think that an obvious fraud such as this would be readily dealt with by BOFA by crediting my checking account immediately for {$15000.00} subsequent to my calling the fraud department at the bank on multiple occasions ( beginning on Oand also describing the fraud to a functionary at a branch of the bank. A reporting form was to be sent to me by email and or mail. I have received neither and was told that a BOFA investigation could take XXXX days. This is absurd because anyone could look at the check image and immediately see that it was forged. So not only is this bank incompetent and negligent in dealing with electronic transactions but it also creates obstacles to fairly dealing with customers in a timely fashion who have suffered losses occasioned by BOFA 's carelessness. I need to also know exactly when my account will be credited for the stolen {$15000.00}. I expect it to be immediate as any investigation needs to occur on the bank 's time and not mine. Secondly, I need to know how BOFA is going to ensure that electronic transactions are safely and adroitly handled. Certainly BOFA 's profits doubtless increase with fewer tellers and more ATM/phone transactions, but this cant be at the expense of blatant fraud against customers and totally inadequate customer service.