davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of numerous attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Keystone Credit Services LLC (PA)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( KEYSTONE CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I have disputed incorrect info twice to experian. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my daughters info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only XXXX. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My daughter said these accts also show on her credit report as an individual acct
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was recruited for a job at XXXX in XXXX XXXX and they required a background check that included a credit check from TransUnion. TransUnion suppressed my report, and for the past month, I have been going back and forth with them trying to solve it. XXXX has rescinded my job offer due to the delays, which they have told me multiple times was fixed and that I shouldnt be having issues ( this was recorded on my end ). They were made aware of this in late XXXX, but they didnt tell me how to fix it until XX/XX/XXXX, when I was told that everything I had been told was incorrect and that I needed to send a written request. Because of this massive delay, my offer at XXXX was rescinded, and they have yet to fix the issue. I have calls recorded with them telling me different stories about my suppression, but theyre too large to upload.
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/23 i purchased XXXX American express gift cards at a XXXX  store, XXXX XXXX XXXX, XXXX md XXXX # XXXX a total of XXXX, cards are uable to use at stores and online, contacted the # for AmericanExpress/giftcards, they keep saying security issues, try another merchant, its terrible that these cards are at stores and cant be used in anyways scaming people out of their hard earned money
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I am writing to file a formal complaint against MrCooper regarding the failure to compensate for the property tax late penalty on my mortgage loan. I believe that my situation merits investigation and intervention by your esteemed organization. 

I have been a loyal customer of MrCooper for XXXX years, and I have consistently made timely payments on my mortgage. However, I encountered an issue related to the payment of property taxes for fiscal year XXXXIssue : In XX/XX/XXXX, I experienced a delay in the payment of my property taxes due to MrCooper 's failure to make on-time property tax payment from my escrow account. As a result, I incurred a late penalty on my property taxes for the amount of {$370.00} and {$64.00}, which MrCooper was responsible for covering since it was managed by MrCooper at that time.

Attempts to Prevent late fee : I contacted MrCooper on XX/XX/XXXX and informed them about the upcoming property tax due date to avoid a late fee, despite my effort, the tax was paid late in XX/XX/XXXX with the penalty. 

Attempts to Resolve : I contacted MrCooper on XX/XX/XXXX to bring the matter to their attention and seek resolution. to bring the matter to their attention and seek resolution. Despite my efforts, I have encountered significant challenges in obtaining compensation for the tax late penalty. The customer service representatives have been unresponsive and failed to provide a satisfactory resolution to my concern for over XXXX  months. 

I believe that MrCooper has violated the terms of our mortgage agreement by not compensating for the tax late penalty, causing undue financial burden and stress.
Consumer complaint received 2019-06-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (MI)

on XX/XX/2019 i spoke with a Ms.XXXX XXXX because i received a call at work that i may have to leave work to take my mother to the hospital. i gave her a call and she was upset saying that she had received a call from Fay Services that they had foreclosed on her home and she had to send them XXXX a year for Escrow and as well as insurance. 
But the thing is that the house is paid for and has been for the 35+ years. this is not the first time that Fay Services has gotten monies from my Mother she sent them monies before with them saying that her or my now deceased father had took out a loan from XXXX? i asked her and she said it never happen. 
moving forward i spoke to Ms. XXXX and was told that my mother had a mortgage i let her know that the house was paid off 30+ years ago she then said she had to put me on hold .after about 20 minutes she came back and said that it was for insurance i then inform her that it was a fire at the house and there was no insurance on the house until it was remodel she then said something about a " lean Policy " i asked her what did we need in order to straighten this matter up and she told me to send the documents i asked what documents and to either send me a email or a fax to my office and was told that in order to send a " Email '' it would involved getting it approved by the Government..Red flag ..i said how can i send the documents that you want if you can't tell me what it is that i should send, i then aske if it was a office that we could meet at eithe in the XXXX  area or surrounding area and the answer was no .i then looked up FAY SERVICES and found that it was numerous complaints on then so now i'm reaching out to your agency for help thanks XXXX XXXX as you can see in the doc it don't say documents its for i'm confuse
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

Our home was hit by the 1-9 Debris flow, qualified/FEMA, mudslide disaster in XXXX XXXX XX/XX/18. Insurance payments to allow me to rebuild are legally held by Ally Bank and XXXX, the loan servicer. In order to pay invoices for work on my home, I have to request money from XXXX, submit to their arduous documentation standards and call them almost every day for 30 minutes to 1 hour. With over {$200000.00} remaining in my escrow account, the bank has decided it will refuse to release any more funds. I have {$200000.00} in invoices due that I have submitted to them, but they refuse to pay. Prior invoices were paid so late by XXXX that they were 2-3 weeks delinquent. I have gone through each manager, used their disupute process and complied with every demand. The money, originally hundreds of thousands of dollars, they are holding in escrow is actually money that I obtained from the insurance company to rebuild my home. Invoices are going unpaid, the contractor may stop work on my home and send me to collections while XXXX  and Ally bank sit on over {$200000.00} of my insurance proceeds. Please help me to get them to release the money that I need to pay my bills.

Additionally, California State law ( XXXX. ) requires them to reimburse me at least 2 % interest on all funds they hold in escrow. They have refused to pay me this interest or acknowledge that it is due. Others with loans serviced by XXXX  also hit by the mudslide have had the same response from XXXX.

This issue has been handled through there telephone service center without results. It has been formally rejected by " corporate '' repeatedly. It has been forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX, South Carolina XXXX XXXX XXXX, AMB, AMP, Senior Director of Mortgage Servicing Operations Ally Bank XXXX XXXX XXXX. Fl. XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX Executive Vice President/ Borrower Operations/ Executive Committee XXXX XXXX XXXX XXXX , NJ XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

The following companies ran unauthorized credit report on me : EQUIFAX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

Was called by I thought was my bank on someone trying to make a transfer from my account ended up being a scam lost XXXX dollars bank wow not reverse money because it was XXXX the scammer called my wife originally cause we have business account and my personal they took XXXX from business the bank reimburse my business account but not my personal
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TN)

The account holder of the auto loan have made payments desired for the loan. When payments have been made, the company does not accurately input the information regarding to decrease credit score tarnish credit history such as delinquents.

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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-29
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: SYNCHRONY FINANCIAL (PA)

In XX/XX/XXXX we received notice of a Sams Club Online purchase on our account and card being shipped to XXXX GA. We live in PA. We called Sams Credit ( Synchrony ) and reported it. The opened an investigation and replaced the card with a new account. In XX/XX/XXXX the card statement came and there was a similar charge to the first one and we called in and they told us that was also fraudulent. We closed the account. Also on XX/XX/XXXX Synchrony sent us a letter that the account was reopened in error and later was closed. When we received a XX/XX/XXXX statement it still showed a balance. We spoke to a couple of useless individuals that said they could not do anything. We finally got one that tried to help. She said someone closed the investigation. She would reopen it. She also said the second charge was moved from the first account and was not another charge. I told her that would have been useful to know, we would not have closed the account. On XX/XX/XXXX we received the XX/XX/XXXX statement with a {$110.00} credit and a different amount due, but new finance charges. We called in. We found out the first complaint was supposedly closed because the chard did not show on a certain date. They reopened it in XX/XX/XXXX with the correct date. They refuse to say how the account was reopened or acknowledge the letter was even send ( we have it dated XX/XX/XXXX ). Now we are told the investigation refund was applied to the old account on XX/XX/XXXX. ( We never received notification or notice of a credit ). So, we have an investigation that has gone on for over 100 days and aren't sure if it is even correctly resolved, and an account that was fraudulently reopened that they will not acknowledge even though they sent and we have a letter.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I opened a Citi high yield savings account online in XX/XX/XXXX. 
I made several online deposits since then. 
On or around XX/XX/XXXX I made an online deposit from my other bank in California for {$21000.00}. 
On XX/XX/XXXX I attempted to login from my computer and XXXX  without success. I called customer service and they said my account was locked from their fraud department and should be resolved in XXXX hrs. I tried to get details but they didn't have any answers and told me to call back on Thursday XX/XX/XXXX. 
On XX/XX/XXXX at XXXX XXXX I got an email from Citi saying my account will be closed within 60 days. I spent the next XXXX hours on the phone asking for supervisors and getting no where. I wanted to understand what was happening and why my account was closed with XXXX conversation from Citi. The various people I spoke to said they didn't have any information and XXXX rep asked if I made any transactions from CA. I explained that my other bank is based in CA and I made an electronic transfer request into my Citi savings account. The rep said I could get my money back in XXXX days, which is not acceptable. 
A Bank can not deny customers access to their money, which is what Citi is doing without any explanation. 
I have a considerable amount of money in Citi. I can not access online to verify and should not have to way while City holds my money XXXX.
Consumer complaint received 2022-11-18
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 (IL)

XX/XX/2022. 
2 credit cards fraudulently opened in my name. XXXX XXXX Us Bank I did not apply or open anything from them. I noticed it on my credit report and through emails. 

Thanks
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 goods, services, or money ; and, was successful in creating some account. 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. Please delete the account : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX