davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-07
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

My mortage was sold from XXXX to SPS Servicing in XXXX XXXX. The original mortage was done in XXXX and at that time the escrow only included the taxes and I the homeowner always paid the insurance out of my own pocket. Well 12 years after the original mortage this new company SPS decided to pay my insurance company even though the declarations pages clearly state Insured pays this is not a demand for payment, they raised my payment. When I contacted them they and told them the issue, they stated the had the right of escrow. In the meantime my insurance company refunded me the mortage company payment and I called the mortage company and made a lump sum payment of {$2300.00} to my escrow account for their mistake and to cover the " shortage '', but my payment was never adjusted and the are still wanting me to pay the insurance amounts and also my insurance company is still debiting my account for the money too. I have tried numerous times to get this issue resolved and I never get any response other than they have the right to escrow.. I am now facing foreclosure because I am not making the full payment because in reality I do not owe what they stated and my escrow account actually has a credit amount in it, but they are still saying I owe back escrow payments but in reality I do not because my payment was never adjusted to reflect the lump sum payment I had already made. I have been dealing with this for almost 16 months now and they still continue to not evaluate my escrow, and now I recently switched insurance companies and they did it again where they paid the insurance when they received a declaration page clearly stating Insured pays. Also, the new insurance dropped approximately {$100.00} a month in cost, but the payment does not reflect this drop in rates and still say I owe {$300.00} in escrow a month when the math does n't add up and if I did pay them what they say I owe eventually they would owe me money. I am not a legal expert but this in my opinion is mortage fraud and is causing me much heartache over something that is the company 's fault and lack of understanding or ability to do simple math.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX NAMES NOT RECOGNIZED AN XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-08-28
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. (NV)

I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Today on XX/XX/XXXX I made yet another call to this credit reporting agency. I was transferred to employee " XXXX '' who claimed he did to have an employee number to provide me with and would only say " I am out of XXXX, TX '' he argued with me endlessly that Experian is NOT required to follow federal reporting standards of completeness and COMPLIANCE or XXXX XXXX reporting laws. He explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. He said they refuse to delete the information that is being reported wrong and there is nothing he or Experian will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. I have kept very accurate records sinceXX/XX/XXXXof all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint. I have also recorded the conversation dated todayXX/XX/XXXX for my records.
Consumer complaint received 2017-08-28
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. (NM)

XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Opened the XXXX XXXX XXXX American Express card on XX/XX/XXXX. 

The bonus offer was XXXX bonus Starpoints if {$3000.00} of eligible spending was completed by the end of the first 3 months of Card membership based on the date of the Card Approval. 
The Bonus points would appear on my XXXX XXXX XXXX statement 8-12 weeks after the spend threshold was met. 
The Card was approved onXX/XX/XXXXThe {$3000.00} threshold was fulfilled onXX/XX/XXXX The account should have been credited with XXXX points onXX/XX/XXXX ( per an American Express associate ). 

OnXX/XX/XXXX, I spoke to American Express associate who informed me that I should have received the bonus promotional points. The accounts was not credited since XX/XX/XXXX since Amex had been having technical issues but that the account would be credited with the XXXX points within 10 days. 

On XX/XX/XXXX during a follow-up call with American Express an AMEX associate informed me that they were still working through technical issues and could not provide me with a date when my account would be credited with the points. At that time I asked if notification had been forwarded to card holder on the issue and the associate informed that might have been the case but could not confirm. To-date I have not received a notification letter. A complaint was filed and complaint number was provided XXXX. 

I have lived up to my end of the agreement by meeting the initial requirement to qualify for the promotional bonus within the specified time frame. The account is always paid in full and on time. My expectation is that American Express fulfill their end of the agreement. American Express has been delinquent on crediting the reward points for almost two months. If I would have been delinquent paying the account for two months American Express would have reported me to the credit reporting companies. For a major corporation to have technical issues impacting account holders for this amount of time is inexcusable and absurd.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XXXX XXXX. 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I 'm making a complaint against Experian because they are reporting information that is inaccurate, incomplete and does not belong on my credit report. I am including in part, my dispute with them and I need to see the actual petition that they are using the verify this bankruptcy or it needs to be removed. XXXX states that they must have the petition in their possession to legally verify and that is the only form of legal verification. Anything else is hear-say. The court states that they do not verify with the credit bureaus which means that they have not verified this. I am getting XXXX responses from them : # XXXX this will stay on my credit report for XXXX years and # XXXX this will not be investigated. That is a violation of section XXXX and they violated XXXX by not sending my all docs in my files that they are using to verify. 

My dispute : XXXX BKPT CT CA XXXX AN XXXX There is no such court named : XXXX BKPT CT CA XXXX - all courts must be listed accurately and completely and the name of the bankruptcy court is not what you have listed! You MUST list this as a bankruptcy court with city and state and can not be abbreviated for convenience and space! 
Date : XX/XX/2010 - this filing date is not at all correct and I would like to see the actual petition that you clearly have in your hands as you have " verified '' this information each month Plaintiff : I can see that you have no plaintiff listed which means that I do n't owe anyone money and never did - a plaintiff must be listed on a public record Docket # : You have XXXX listed - send me the petition that shows this EXACT docket # - I know this to be untrue and inaccurate : there is no " XXXX '' listed in the docket # My requests are listed below : # 1 Produce the petition that you used to " verify '' this bankruptcy - the court has notified me that they do no such verifications with any of the credit bureaus # 2 Produce the petition that shows the exact information that you are reporting on the credit report that I am attaching to this letter - please do not send me a letter stating that public records stay on a credit file for XXXX years - this is not an acceptable response and is not legally variable without the physical petition ; bankruptcies can not be verified without this information # 3 Remove this inaccurate account from my credit report right away - the proof is in my letter
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I paid my bill on time using a company 's online website. They showed that i made the payment on time but then the payment was never received and they now have a 30 day late pay on my account. This company is also always misreporting my account balances to the 3 credit bureaus as being higher then what they should be.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received a pre-approved offer from USAA on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX which included a {$200.00} reward bonus after making 12 qualified purchases byXX/XX/XXXX as well as 0 % APR until XX/XX/XXXX. I applied for the card, and after a long and tedious approval process due to errors on their part, I received the card around XXXX. I made the 12 qualified purchases byXX/XX/XXXX, and confirmed as much prior toXX/XX/XXXX. I received an email onXX/XX/XXXX stating the deadline for completing the 12 purchases had been extended toXX/XX/XXXX, all emails from them with this offer stated the {$200.00} cash reward bonus would be credited within 90 days after the end of the promotion. I called in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX inquiring why I had not received the {$200.00} cash rewards bonus. I opened several " tickets '' with them, and was finally told inXX/XX/XXXX that several people who took advantage of the promotion had not received the bonus and that it was a " known issue '' that they were working on and did not know when it would be resolved. I tried calling again inXX/XX/XXXX and got the same response. It is now days away fromXX/XX/XXXX, 9 months since the original promotion ended, and I still have not received the {$200.00} nor do I have any indication when the money will be received. USAA has confirmed repeatedly that I am owed this money and that I upheld my responsibilities in order to be eligible to receive it, and I have supporting written documentation from them to prove that. As such, it feels as though I was misled through false advertising along with several others who have not received this money. I have tried contacting them to no avail, including speaking with their executive resolution team, and feel I have no other choice but to involve CFPB.
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (OH)

About a year into the loan I went on the company 's web site and made a {$5000.00} payment ... mostly principle ... the web site showed in red letters that the payment did not go thru, try again, so I did ... ..my checking account was charged for {$10000.00} and was overdrawn ... .the web site states specifically that one can not make two principle payments on the same day which is what they tried to do ... the printout of my account with them shows exactly that ... .they have refused to pay the overdraft charge from my bank ... .it has been a year and I have stopped paying them except for sending them {$1.00} at payment time last month and will continue to do so until they make good on this problem.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

I went in to Rooms to Go to look at sofas for my home in XX/XX/XXXX ( this was such a minor thing I do n't even remember the date ) and was told by the sales lady that she was checking to see what I would be approved for and what kind of couch I can purchase. Fast forward to today ( XX/XX/XXXX ) and I get an email saying I have a rooms to go credit card with synchrony bank for {$2000.00}. I never bought a couch from rooms to go. The sales lady was very pushy and took a hardline stance that it was important for me to look at what I can afford through the store card. I trusted her and as a result I have a card I never wanted or was aware I applied for and adjustments to my credit.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.
Consumer complaint received 2017-05-24
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. (AL)

I sent a letter to Equifax on  XXXX   XXXX ,  2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX , stating that the record was verified by  XXXX   XXXX . My   XXXX   XXXX   consumer report was frozen on  XXXX   XXXX ,  2017 . The letter that I sent to Equifax on  XXXX   XXXX  included a letter fro m Alabama Federal Court stating that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the courts, and the letter is proof o f this.