davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor, XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : FXXXX XXXX XXXX XXXX 

Also I found a few inaccurate addresses as well.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to XXXX XXXX XXXX requesting resolution and have never received a reply.
Consumer complaint received 2022-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

As holders of a spousal consolidation loan through XXXX we are unable to consolidate into a direct loan in order to receive XXXX XXXX XXXX XXXX. My husband and I are both XXXX who have paid well over 120 payments on our loans. This practice is burdensome and unfair. It punishes married public servants. Please change the direct loan requirement or enable those of us who have 120 payments to be forgiven without having to reconsolidate.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

Im really worried that COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. COLLECTION BUREAU OF AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to COLLECTION BUREAU OF AMERICA to contact me. COLLECTION BUREAU OF AMERICA has/ or purchased my private information without my consent. I never contracted with COLLECTION BUREAU OF AMERICA. 
COLLECTION BUREAU OF AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand COLLECTION BUREAU OF AMERICA to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for COLLECTION BUREAU OF AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

BSI financial let our flood policy lapse. 

They could not get proof of insurance from our insurance agent ( XXXX XXXX ) and sent me a letter saying they were going to have to buy us expensive insurance and that there would be a lapse in coverage. 


We had maintained all mortgage/escrow accounts to date, no late or missed payments. 

Said they had reached out multiple times to the agents office. 


I called the agent and they said had never heard from BSI about any needed documentation. 


A month went by. 

I followed up weekly, was getting very concerned because flood policy was in grace period technically already lapsed. 


I had already contacted flood insurance company and confirmed we had a policy paid in full. But BSI couldnt disperse escrow payment for upcoming year because we dont even know who your XXXX  insurance company is XXXX?! 

I finally got my XXXX insurance company to send a letter telling them who XXXX are so could at least have a payor on file. 

XXXX. 


Then got a hold of insurance agent to say why havent yall replied to BSI fax/letter inquiries to address the issue XXXX hrs later ( but after a literal month of painful phone calls, emails, and legwork I got the two parties to talk to each other ). 


When all was said and done, asked all involved if this was typical for the mortgage/ homeowner industry. 

They all said no categorically. 


BSI is the worst company, hands down. 


Their ineffectual business dealing left us uninsured for floods during peak hurricane season in a coastal town in SC. 

Could have been catastrophic. 


They still wont return emails or acknowledge sent documentation regarding escrow/taxes/etc. 

They are impossible to work with. Always ask me to send emails to a wastebasket e-mail handle : XXXX No accountability. 


Unprofessional. 




Low internet ratings. 




These people are the worst. I wish we could change services tomorrow. Even considered refinancing to pay higher interest rate/ closing fees just to not have to ever depend on these clowns again. 


XXXX, XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

On XX/XX/2022 ATG CREDIT added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, ATG CREDIT has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

The purpose of filing this complaint is that we believe that our escrow account is being handled incorrectly by our lender. 

1. The supplemental real estate tax was paid in full by us the property owners from our own funds.

2. Even when these taxes were paid by the owner 's own funds the lender increased the mortage loan monthly payments. 
3. On XX/XX/2022, we send the lender an Error Resolution Letter with the evidence of this payment so the lender could fix or resolve such error.

4. On XX/XX/2022, we received a letter from the lender not addressing the issue that the owner paid the Supplemental Real Estate Tax and not from the escrow account. 

Attached you will find the documents showing this payment.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Business Checking Account with Bank Of America and the balance in my account was low however I made a couple transactions and the account never went in the negative but I still got hit with a {$35.00} Overdraft fee. I do not agree with this at all. This is legalized theft and I want my {$35.00} to be refunded to me immediately. Customer Service and at the branch level are telling me they can not reverse the fee because I already had a reversal in the past. Well each situation is different isnt it?!
Consumer complaint received 2022-03-13
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. (FL)

I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.
Consumer complaint received 2022-03-13
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. (TN)

Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On the date of the XXXX, of XXXX, 2022, I noticed that I didn't have my phone. When I'm off work I really don't care about my phone because everyone is home on the weekends. Anyways when alerting the bank of me losing my card, and going into the bank I was told that my account was on FREEZE, due to suspicious activity, then the clerk goes onto to give me a new card but comes from the printer with all these papers of how all this BOGUS checks were deposited and transferred out of my account and that my account was to be looked at by security. Now me thinking they would alert me of this, they did but I didn't get them because my phone was Stolen.

So my claim was DENIED I received a call from BECU 's security accusing me of leaving my phone unlocked with all my information on it. The reason I leave my phone unlocked is due to having Congestive XXXX XXXX, and last time my XXXX XXXX was near fatal and me being a single mother with XXXX children my kids didn't have the information to give the First Responders other than my sister 's phone and with her being a Nurse can't pick up right away, and it be a Fatal situation. So after me explaining to her ( BECU XXXX ) that she goes to smack her lips and asks, your phone was misplaced, are you sure you didn't write a report saying your car was broken into?, I advised her no my case number is XXXX from XXXX XXXX, nowhere in my report is stated a car being broken into. so she's lying. Then she goes on to say that the claim has been denied and they Zeroed out all accounts leaving me no money in my accounts, mind you I have XXXX children and take care of an additional XXXX for my sister while she works, glad I have credit cards because it seems BECU think I'm in on it. I REALLY hate that they view me as such, but with the scammers having my information I'm to suffer. My information is no longer on my phone as I have deleted all private information and put my information needed for First Responders in a safe area my son knows.
Consumer complaint received 2022-03-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX  which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Consumer complaint received 2024-08-24
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. (FL)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

On XX/XX/XXXX I sent a letter to Equifax requesting they update my consumer report and credit score. In this letter I added my current license, my utility bill with my current address and the last XXXX digits of my social security number. Equifax received my letter on XX/XX/XXXX. I received a letter back from Equifax stating they could not update my account because they couldn't verify my identity. I've had many correspondences with Equifax previously using the same driver 's license and utility bill ( just updated with current month ). My consumer report hasn't been updated since XX/XX/XXXX as shown on XXXX XXXX. It hasn't updated anywhere else either. This is preventing me from seeing what's reported and where my current credit worthiness stands. This a violation of multiple codes under 15 USC 1681 Credit Reporting Agencies. All I want is access to my consumer report. I do not want to escalate this situation at the moment, but I am prepared to move forward if necessary.
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (CA)

Your company is in violation of the FDCPA, TILA, and UCC codes. Which GM FINANCIAL is collecting a debt for your company XXXX XXXX XXXX. On XXXX XXXX I sent GM FINANCIAL a VLIDATION OF DEBT letter. On XX/XX/2021 I received a letter stating that I signed a credit contract with them, which the copy of the contract was attached which shows I did a consumer credit transaction with XXXX XXXX XXXX not GM FINANCIAL .also attached was a copy of the account payment history showing that they been collecting your debt.which shows me that your company assigned GM FINANCIAL MY contract to collect your debt without my consent which is Identity theft and that is FRAUD. 
Pursuant to the FEDERAL TRUTH IN LENDING a contract can not be credit or cash, because credit covers all Obligations.also the finance charge is the sun total of all charges which includes insurance. 
Pursuant to 18 USC 8 the term obligation or other security of the United States includes all bonds and certificates of indebtedness.
Consumer complaint received 2022-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc. (GA)

Consumer portfolio services inc has sued me for a balance due on my car, i was in an accident and the person had no insurance, they got a check for half of the amount from the insurance. I have been severely affected by XXXX XXXXXXXX and the accident.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-13
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. (MI)

Experian is violating my federally protected rights. 
Experian was required by law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device pursuant to 15 USC1681a ( b ) ( 2 ) they failed to do so by furnishing the following account : XXXX XXXXXXXX XXXX XXXX. 
They were also required by law to get my written consent before furnishing my consumer report pursuant to 15 USC 1681b, they failed to get my written consent, they are civilly liable to me pursuant to 15 USC 1681n, this is my relief : STATUTORY DAMAGES {$2000.00} ACTUAL DAMAGES {$10000.00} Totaling {$12000.00} for monetary relief. 
THEY WERE TO REPORT ACCURATE INFORMATION THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME NOR HAVE I GAVE THESE COMPANIES THE AUTHORITY TO ACCESS MY CONSUMER REPORT. OMIT THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MXXXX  XXXX DUE TO THERE FAILURE TO COMPLY WITH FEDERAL LAW THEY HAVE CAUSE ME TOTAL DISTRESS AND MULTIPLE DENIALS.