davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (FL)

For the past two years, I have been investigating my credit report and this process has caused severe XXXX upon me as Experian, XXXX, and XXXX Credit reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the three reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by XXXX. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX  XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX I filed online dispute XXXX about some negative accounts that are not mine. This is XXXX of them. On XXXX XXXX and XX/XX/XXXX I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C XX/XX/XXXXg Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today XXXX XXXX, I have sent them another letter to provide me proof of my alleged debts.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (MN)

XXXX has processed refunds that Avant has failed to post to my account. I am reporting to you as in the past I have had issues with this same credit card. Although they eventually make the adjustments, they do not adjust the interest charged. 

XXXX PROCESSED REFUNDS DATE ORDER AMOUNT CARD NO. 
XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX I am owed {$140.00} in processed refunds plus an interest adjustment. 

They have also reduced my credit limit from {$750.00} to {$500.00} for no reason. I have never been late on this account and normally pay in full. I also do not have anything negative reporting on my account. I had reached out to them but never received a response. As you know, any changes in credit limit impact credit scores. It is the only reason I do not close this account.
Consumer complaint received 2023-01-10
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-10
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OK)

I noticed on XX/XX/2023 that several credit cards had been applied for in my name. I have not applied for any credit cards. The companies were JPMCB CARD SERVICES, XXXX BANK, XXXX XXXX, XXXX XXXX BANK XXXX, & XXXX. I need this remedied.
Consumer complaint received 2023-01-10
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NJ)

On XX/XX/2023 a letter was generated stating that a credit card through US Bank was not able to be processed due to another pending application. I have not applied for any credit cards with US bank.
Consumer complaint received 2023-01-10
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. (TN)

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 XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX # XXXXXXXX XXXX XXXX  Account # XXXX # XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX 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 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 2015-08-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card?
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.
Consumer complaint received 2023-01-10
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (TN)

Under these laws these accounts should be removed 15 U.S.C. 1681 ] ( 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. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Department of Education XXXX XXXX
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Our mortgage company ( LakeviewXXXX  ) has set us up in a loan modification program. 

The issue I have is that I received an email from an XXXX XXXX stating we were in default of our mortgage. XXXXtates they are in process of foreclosing on our property. Email has the Lakeview Mortgage logo on it. I called the number listed and XXXX XXXX answered the phone. He proceeded to tell me the same thing the email said. He also told me we were in default on escrow and owed over {$500.00} payable immediately. He asked for my credit card number. I got very nasty with him still thinking this was a valid notification. 

I looked over the email closely and noticed it was poorly written. I called Lakeview and was informed it was a scam. I asked how this guy got all of this personal information that only Lakeview should have. The girl started double talking and I finally asked her whether Lakeview was concerned about this. She stated they were but all I could is report this scam to you.
Consumer complaint received 2017-07-10
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. (IL)

Equifax Credit Bureau inserted three bankruptcies that do not belong to me. These bankruptcies belong to a different XXXX XXXX ( Whom I do not know ). They were removed from my credit report during a previous investigation in XXXX, and suddenly without notice the company has put them back on my credit report. I never lived at any of the addresses of these bankruptcies, and the person whom they belong to has a different social security number. Additionally, the agency gave me no notice or reason for the insertion of these bankruptcies. No documentation. I contacted the courts and the courts assert that Equifax DID NOT get this information from them. I am sending again copies of my leases from the last several years as proof of my address, a copy of my social security card and my drivers license.
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Loan manager : Edfinancial Auto-pay policy is misleading, leading to past-due payments. Auto-pay also does not work, even when considering their misleading policy of it taking effect XXXX billing cycles after application. Helpdesk assured me that this was my fault due to the policy, refused to give information on the status of my account 's auto-pay, as from my side it said it was enabled. Past two pay periods have been past due as auto-pay was presumed to be working - because no statements of due balance were communicated to me.
Consumer complaint received 2023-01-10
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. (LA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (PA)

I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.
Consumer complaint received 2023-01-10
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. (TX)

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX  XXXX XXXX when I applied for a auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX  XXXX XXXX due to the response I received. XXXX  XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX  XXXX XXXX.
Consumer complaint received 2023-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I, the consumer and natural person, was denied credit by Bank of America when I applied for a auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Bank of America due to the response I received. Bank of America is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America.