davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX Equifax, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

My Simple  account was transferred to a BBVA account which was supposed to be a seamless transferred. today it would not let me log in and have access to my funds. I can now log in, but money is missing from my balance, my savings account is MIA and when you call their CS line, they are playing fake recordings of agents answering, doing their into, and two seconds later it says Im sorry I think we have a bad connection, Im disconnecting the call and then the call disconnects. There are multiple recordings available online on XXXX/XXXX of various people calling in and getting the SAME exact person ( recording ). This is deceitful and HORRIBLE.

They also claimed account and routing numbers WOULD NOT change when the transition to the BBVA platform happened - well, the routing numbers absolutely did change and now I am unable to get my direct deposit and pay my bills on time.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NV)

XXXX XXXX XXXX and XXXX XXXX XXXX are they same website that is running a puppy scam, I did a belle transfer with 1 hour called bank to cancel was told I could not and needed to dispute transaction which resulted in the bank saying nothing could be done. Each XXXX account is linked to bank account and the email XXXX was the email money was transfered to. The bank should be able to reverse charges and report account hold for improper and illegal use. Ally Bank is bank used and XXXX is the app
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

So Equifax is furnishing date in my credit report that is not correct or absolutely invalid. So on XX/XX/XXXX I sent a certified letter informing them which information was incorrect and instead of performing an independent investigation of their own. They just updated my report with the information the other bureaus have. Verification is required under section 611 5 A. Due to their lack of availability to verify this account it needs to be deleted. My FICO score has been damaged by their errors. XXXX XXXX Account needs to be deleted. How can they be furnishing all the incorrect information, I challenge it now it's update to match the other bureaus. Equifax clearly violated the FCRA & if not shown their verification method I will be filing a complaint with the FTC.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (DC)

Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: REMAX (CO)

I am reporting a complaint on ( Remax of XXXX Colorado ), because every-time I give them a copy of the CDC Moratorium they give me a notice to quit, but this time I have a move out date by XX/XX/2021. I have followed all guidelines for the CDC Moratorium, I have paid {$4500.00} in back owed rent so far, and I am at {$1300.00} because they are charging me a late fee every month I miss. I am tired of them doing this to me. I am doing my best to get caught up. but I feel like it's ( XXXX the tenant ) and kick 'em when their down. This is very frustrating to me, especially when I have told them I have nowhere to go. I was also referred to this website from the CDC to report this kind of activity. So that is why I am doing this here.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES (FL)

XXXX XXXX XXXX applied for a mortgage through this company called ( land and home financial services inc, XXXX XXXX XXXXXXXX XXXX tx XXXX loan number XXXX. XXXX was married in XXXX XXXX XXXX XX/XX/2016 this mortgage company approved his mortgage as a single man while he was legally married. Any further information please contact me on XXXX and I will assist with any documentation you may need.
Consumer complaint received 2021-05-09
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: Experian Information Solutions Inc. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, Simple Bank closed and its users were transferred to BBVA Bank. Since then, former Simple members have not been able to access their accounts at all. Calls for customer service have been rejected or hung up on. Further instructions have been vague and fewrelayed mostly on XXXX instead of email. Its been incredibly frustrating with current and upcoming expenses, and there is no solution in sight.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I clicked a promotion on citibank 's website that stated if I put {$15000.00} into a savings and checking account, I would receive {$400.00} in 90 days. The person I spoke to said my account met all of the requirements and should have received the money on XX/XX/21. I did not receive it and sent a complaint. They stated in a letter that my account did not have the promotion code attached. I was never given a promotion code and that wasn't needed to open the account. It was simply a link to click and then open the account and follow the rules which I did.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Consumer complaint received 2021-05-09
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

Citi Bank served papers to an alleged debt on XX/XX/2021 to my brother that was visiting from out of town. The constable was also informed that he was not me and that I was not home so he didn't want to take it. My brother did not notify me of the papers until a weeks later, which cut into the time I need to inform Citi Bank and XXXX XXXX that I wanted to request a validation of the debt pursuant to 15 USC 1692.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I have tried over and over to get my credit report from Equifax. I've had no problem obtaining my report from XXXX nor XXXX. The questions " to protect my security '' are ridiculous. I don't even know the answer half the time. I understand these criminal organizations don't want to share MY OWN INFORMATION with me, and I understand the Federal Government aids and abets these criminal organizations, but for something that controls MY LIFE, I should have much more accessibility. Thank you.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

I purchased a home at XXXX XXXX XXXX XXXX XXXX Pa XXXX. 
I financed with Loan Depot, a company that only required me to pay 3 months of prepaid taxes and 6 months of prepaid insurance at closing. 
They used a bait and switch strategy where they undercut the local lenders with lower closing costs. Local lenders were charging 9 months prepaid taxes and an year ahead of homeowner insurance. 
Based on the purchase agreement I agreed to pay XXXX a month which is all I could afford. I bought the home in XXXX and the taxes were due in XXXX. 
Because I put 5 % down- I am forced to have an escrow account. In XX/XX/XXXX Loan Depot sent me a letter claiming that they were short in escrow- the taxes did not go up but they did not account for less XXXX in local taxes. I was fine to add XXXX to my monthly payment ot catch up for the shortage for this year and add the amount going forward. However- they increased my payment to XXXX for 9 month- until XX/XX/XXXX. In reality they do not want to forward my taxes and they are making me pay over XXXX month for 9 months which is against the purchase agreement. I had to withdraw money from my retirement to make these increased payments. This is against the law and they are keeping me XXXX to my credit and the home i purchased. If I fail to make the full payment they could foreclose the home. I contacted them sever times over the phone and in writing and a consumer agency. I have my numbers right - I am a XXXX XXXX  and have a XXXX in XXXX XXXX. I have my numbers right. I believe this is something that they do to many people and a class action lawsuit is needed. I am planning to sue and recover my losses since they put me in a tight spot and they wont allow me to get out of the escrow and pay my own taxes. 
Please investigate this corrupt company. One of their escrow people hung up on me when I requested the payment to be adjusted back. 
Thank you.
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Multiple calls between XXXX and current from different numbers from portfolio recovery. Told every single time not to call but to contact by mail. Portfolio recovery has also called family members and told them they were attempting to collect a debt from me.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender XXXX XXXX XXXX. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. 

I was informed that my loan was sold to Wells Fargo. I received a letter from Wells Fargo dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. 

I spoke with XXXX  Wells Fargo, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from Wells Fargo dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. 

XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. 

Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. 

I sent a letter to Wells Fargo on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed Wells Fargo that I was still looking into other options to address the matter of the annual property taxes.
Consumer complaint received 2024-10-02
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)

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account on my credit report. This unauthorized account was added without my knowledge or consent and requires immediate resolution. 

ACCOUNXXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has been filed with the Federal Trade Commission XXXX FTC ), and I am requesting the prompt removal of this fraudulent account to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to XXXX XXXX  and Transunion regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.
Consumer complaint received 2021-05-09
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)

I reviewed my Trans Union, XXXX and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XXXX
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint to dispute inaccurate credit reporting related to my XXXX XXXX XXXX account, Account Number XXXX. The account was last updated by TransUnion on XX/XX/year> and by XXXX on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by XXXX XXXX to confirm the accuracy of the reporting. 
I have disputed this information with TransUnion and XXXX, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both TransUnion and XXXX, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : TransUnion : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-30
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. (FL)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION