davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (VT)

Due to a glitch at the State of VT dept of taxes my tax amount was incorrect on my property tax bill. I informed Roundpoint on XX/XX/XXXX that it was not correct and NOT to pay until I had the corrected tax bill. I received and submitted the correct bill, and Roundpoint ( after several reassurances said they have it and its correct ) STILL payed the higher amount which is not correct. They have sent me 5 escrow analysis statements raising my payment by almost {$400.00} and the tax info is still incorrect because they paid the wrong amount. I have asked what the problem is, with no resolve. I have also asked twice now for a manager or director to call me and have not received a call ( even after the notice that it can take 72 hours for someone to contact me ). This is a financial hardship to have to shell out an additional {$400.00} a month, which is going to impact my ability to remain current on my other financial obligations. All something that is not my fault and out of my control and with a mortgage company that has no desire to work to correct the situation.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Recently I have sent out a dispute letter to Experian regarding an account that's negatively reporting to my consumer report. They responded that this account is verified and belongs to me but how can this account belong to me if there is no mutual agreement between me and the creditor? I believe that it is Experian 's duty to report accurate information but if this account doesn't have any documents to providing accuracy nor agreements then this account isn't verifiable. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian must investigate this account and if the creditor can't provide any agreements then this account must fall off. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose, Experian must report the most accurate information possible. This account is under multiple violations in which it's reporting unlawfully. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Investment Retrievers, Inc. (GA)

I spoke to a supervisor XXXX XXXX for investment retrievers XXXX about a previous call to settle debt but decided they wouldn't honor the credit removal, that the rep said I would receive. He said he clearly heard the rep say that they would remove off my credit after payment and they aren't willing to honor why they previously said yes to. I spoke to XXXX on XX/XX/2023 at XXXX XXXX EST. 

They keep making inquiries on my report as well.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

Account Name : XXXX XXXX XXXX Account : XXXX Account Type : Auto Loan GM Financial has violated my rights and privacy as of 10/11/23 according to 15 U.S.C. 1681a ( 2 ) ( B ) & 15 USC 1666B ( a ) by sharing a personal experience of a late payment on my credit report without my consent or request which is illegal. My credit has dropped XXXX points after years of working hard to maintain and fix my credit.This is directly affecting my business and personal matters. I have reached out to GM Financial to resolve this matter but have been unsuccessful reaching an agent who was willing to help.
Consumer complaint received 2023-11-01
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. (TX)

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.

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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing Equifax with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, Equifax has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that Equifax has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, Equifax has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested Equifax to block all addresses not belonging to XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, MD XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. Equifax 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to Equifax, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Equifax complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day. 
I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed. 
The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community. 
I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account. 

My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right. 
After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned. 
I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them. 
I'm proud to say they have approved the refund of all fees
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (WA)

i had XXXX loan with XXXX, they had loan for XXXX & XX/XX/2023 ', my payments were [ interest only ] {$430.00} a month for first year i applied for auto w/d, have email from XXXX was XXXX, next i get letter saying they XXXX sold my loan to SPECIALIZED LOAN SERVICING on XX/XX/XXXX. i called SLS to set up auto w/d with them, told loan from XXXX not there yet but i was to get welcome package from SLS with new loan # etc, i then could set up auto w/d. nothing from either XXXX or SLS until XXXX XXXX from SLS saying got loan from XXXX & it's in DEFAULT!! augnor XXXX payments were made!! i called them to explain i had auto w/d with XXXX but deaf ears!! called XXXX to find out why payments were not made, NOTHING!! so in reality for sake of argument, XXXX & XXXX would be {$870.00} + what late fees would be but SLS charged me {$2700.00} + {$430.00} = {$3200.00}!! i asked WHY & FOR WHAT?!!??! nothing!!!!!!! XXXX sent copies of notices for payments in mail but AGAIN, NEVER GOT ANYTHING IN MAIL FROM EITHER XXXX OR SLS!!!!!!!!!!! so would like answer as to why & what the outrageous charges were for!!!!!!!!!!
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX ( Separated Spouse ) XXXX ) XXXX / XXXX XXXX ) Back in XX/XX/2021, there were 2 unauthorized wire transactions that was taken from my savings account. When I reported it to my bank ( XXXX ) as a fraudulent transaction they notified Capital One which is her bank that the money was sent to without my approval, and they proceeded to freeze her Capital One account. By doing so, XXXX was unable to withdraw the funds or utilize the funds which is good because it was fraudulently withdrawn from my XXXX account. My bank has reached out multiple times to Capital One to reallocate the funds back into my account but Capital One is being extremely difficult and from what it seems have took it upon themselves to close out her account and not return my money back to XXXX the original account. The grand total she took from me was {$18000.00} dollars. I truly need help with this ordeal please. I have a paper trail of information to support my claim
Consumer complaint received 2023-11-01
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. (TX)

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.

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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Possible addresses that are affiliated with me listed above. 
Possible names that are on my credit report that has no affiliations with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the accounts that are not to be listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}, {$1700.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (IL)

there were checks from my account for services never rendered by a contractor. i did write the check and tried to stop the payments by asking the bank for assistance. the bank has not helped me at this point and I need assistance. Check number XXXX, XXXX, XXXX, XXXX reference number XXXX 
I also have a complaint with the attorney general on this company and that refernce number is XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (LA)

XXXX  - sent certified dispute letters and request of contract no response to certified letters. {$2500.00} XXXX, XXXX National credit systems- same issue as above, everytime I dispute it comes back as accurate I never had a account with either company. {$810.00} all three bureaus
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

On XX/XX/XXXX I was in hospital for less than 3 hours for check up got let out gave them a XXXX XXXX insurance I have not received any mail due to me being homeless living in a RV then moved to XXXX I then moved back to XXXX  in XXXX as soon Covid then hit the United States in the year XXXX all the way to the present year of now XXXX it has now been cleared up. I was then hit with a collection it has dropped my credit score XXXX points I have not had the best experience with the California businesses bureau  as they threatened me and my credit Score, I asked them why they have sent me to collections in a five year span and the response from them was disrespectful and didnt help me whatsoever, the lady told me from California businesses bureau that they did me a favor and held it till the date XX/XX/XXXX. That is unprofessional and costed me a major drop in my credit after I been trying to make it better this whole collection came out of know where. With this being said the California business bureau wants me to pay {$1400.00} dollars Im still struggling and I would like this collection checked out and deleted off my report and would like a new credit report showing the removed collection.