davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (WA)

I was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

As of ThursdayXX/XX/XXXXXX/XX/XXXX 2017 over 140 million individuals have been subject to a breach with credit reporting agency Equifax. I am a potential victim and I would like to file a complaint against them.
Consumer complaint received 2017-09-08
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. (NY)

This is a complaint regarding Equifax. I am listed as a potential victim of the data breach which occurred from XXXX through XXXX XXXX. They did not take enough precaution while holding so much sensitive information.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NJ)

I received a letter of escrow shortage from Flagstar Bank who is handling my mortgage payments. The escrow shortage has made my monthly mortgage payment increase over $ XXXX/month. I closed on the home only 6 months ago and the taxes, mortgage insurance, and homeowners insurance are all the same as when they were a few months ago when I closed on the home.I discovered on my annual escrow statement, Flagstar has the incorrect insurance premium amount being calculated for escrow ( approx. double what my actual insurance premium is ) My insurance premium was paid in full when I closed on the home. It also shows the correct amount of paid in full on my closing disclosure. Everything else matches up with my closing disclosure numbers, yet no one at Flagstar Bank seems to be able to tell me why there is such a shortage of the escrow and what caused it. Flagstar then re-ran the escrow analysis a second time with another incorrect insurance amount. Which resulted in my monthly mortgage payment still being over a {$60.00} increase per month. This has now been going on for 3 weeks and it still has not been cleared up. Someone at Flagstar Bank entered incorrect information that caused this increase which is incorrect and now it seems the are unwilling to re-run another escrow analysis when it was their error internally in the first place. After all of this for now almost 3 weeks, no one at Flagstar has been able to give me a straight or deifinitive answer as to why there is an such a drastic escrow shortage that increased my monthly mortgage payment so much. I have all my documentation from fully paid homeowners insurance, closing disclosure and tax information. Which is all the same as it was 6 months ago in XX/XX/XXXX when I closed on the house. Yet no one at Flagstar can give me reasons why the incorrect insurance information is in my account and why the escrow shortage and increased monthly mortgage payment. Please help, as Flagstar has been no assistance so far.
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
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)

XXXX months ago I checked my XXXX XXXX and it had dropped noticeably and I wondered why? I contacted XXXX ( XXXX source of my XXXX XXXX ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with Experian and on their advice also filed a fraud report with the XXXX XXXX, CA XXXX XXXX XXXX ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that XXXX had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediateLY
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received a settlement check for {$7000.00} and couldn't cash it because I didn't have a picture id at the time so my friend deposited in to his account with Chase and the bank put a restriction on his account because they needed to get in contact with me but their system will not allow them to call if the number doesn't come back registered in my name. After ten days the check cleared and they closed his account but we did t get any information on what happened to the check. I'm having some housing issues and need these funds to put a roof over my head and so I was counting on this check. My name is XXXX XXXX, the check number is XXXX, the control number is XXXX, the amount is {$7000.00}. I also have a copy of the cleared check emailed to me from the settlement advisors that the bank Chase sent to them. Please help me with this issue thank you.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (MA)

Dear CFPB, I hope this letter finds you well. I am writing to file a formal complaint against Cash App XXXX regarding the unjust closure of my Cash App account. I recently created this account with the intention of receiving payments from family and friends. However, upon entering my personal information to verify my identity, my account was abruptly and inexplicably closed, citing a violation of the Terms of Service. 

I would like to stress that this was my first experience using the Cash App service, and I have never had any prior accounts with them. Given this, I am firm in my belief that my account closure was made in error, without proper cause, and without allowing me a fair opportunity to rectify any issues that may have arisen.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I 've had my past rental history checked by large and small rental services and I 'm told that I have evictions on my record. I 've never been evicted. It appears that because I was late with my rent some years ago in XXXX ... I was put on an eviction list ... or something to that affect. But, I was never evicted or even close to it ... I never even got a full month behind. But for some reason I show up as having had evictions. The credit reporting agencies for rental info is reporting incorrect/incomplete information. This has caused me to remain stuck in a less than desired apartment for fear of being rejected for rental again.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I disputed the accuracy of my XXXX XXXX account with Experian. They were incorrectly reporting the balance, payment history, status of the account and comments. Today they updated the information and it is even more incorrect than it was when I first disputed the account. They have also added a statement to the account which is reporting as my statement! I DID NOT authorize or request a statement be added to that account. The statement reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. Now they are not only reporting INCORRECT information but also they have added a statement which they are leading people to believe I made or requested and no such request for a statement to be added to that account was made!
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

I opened an account with BMO in early XXXX, XXXX after receiving a marketing promotion in the mail with a bonus for opening an account. I was in the market for a new local bank and the marketing worked. 
-On XX/XX/XXXX I deposited a check which was my paycheck from my work, the amount was {$1100.00}. This was a mobile deposit using the BMO banking mobile app. I had also deposited {$200.00} in the checking account via electronic transfer from my existing/previous bank account outside of BMO. 
XXXX XX/XX/XXXX when checking my account I noticed that I was locked out of my online banking accountwhen logging on the BMO site said my credentials or password were incorrect, and to reset my password. The reset password flow did not work and I was still locked out of the account. 
-On XX/XX/XXXX I visited a BMO branch bank in XXXX to regain access to my account. 
-After getting mobile banking access reestablished, I noticed that I could see the balances of my account but was unable to move money between the BMO checking and savings accounts. 
-I called customer service on XX/XX/XXXX and was told that my account was under investigation for fraudulent activity. After multiple calls I was told that the XX/XX/XXXX paycheck was suspected of being fraudulent. I asked for more information on this but was not given any. 
-I asked the fraud department to have a manager call me about the issue, I was told this would happen but it still has not as of XX/XX/XXXX. 
-I was told that the investigation by the fraud department would take up to 14 business days, however on XX/XX/XXXX a Customer Service Representative from BMO stated that my account would be closed after the investigation, and that a cashiers check would be mailed to me at some point after that ( potentially in XX/XX/XXXX ). 
-I asked for information in writing regarding the status of my account and further information in writing when the status of my account was updated or resolved. I have still not received any information in writing as of XX/XX/XXXX. 
-I have been working for my current employer since XX/XX/XXXX, and have deposited or direct deposited all of my previous paychecks to my existing/previous checking account WITHOUT ISSUE. 
-I contacted my employer HR and they confirmed that BMO has drawn the money from that XX/XX/XXXX paycheck as of XX/XX/XXXX. 
-I am distressed that my money has been taken and frozen by BMO with little information and no updates about the status of the investigation, and further, that when I have requested information from managers that these requests have been verbally confirmed, but not resulted in any calls or updates. 
-I have spent over 4 hours on hold on the phone, and visiting the branch in person, in regards to this account frozen issue. 
-I have paystubs and bank statements showing my previous paychecks from my employer.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

A collection company has placed a collection account on my credit file which the original creditor is XXXX I have not done business with XXXX in a long time 8-10 years ago. There is no way this is accurate please help
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I recently reviewed my credit report and noticed a collection made by southwest credit company.on XX/XX/23 I sent my first letter to the collection agency to validate the debt and to prove that I am indeed the party who is by contract obligated to pay off this debt. I also requested the following : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
I did not receive what I requested by southwest to ensure the validity of the debt. 
On XX/XX/23 I sent a second letter requesting for validation and not verification. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I was mailed back a bill. Which is not competent evidence that I have any legal obligation to pay them the alleged debt.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it XXXX reported as pay as agreed XXXX 

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (AZ)

I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt. 
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?