davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on Equifax and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but Bank XXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to Equifax im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Consumer complaint received 2024-09-04
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-08-24
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. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please 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
Consumer complaint received 2023-08-15
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. (GA)

I notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only one credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.
Consumer complaint received 2023-09-24
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX Account # XXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (IL)

I need a response regarding the refund of PMI that I overpaid to the lender, as well as an explanation for the {$13.00} PMI refund check I'm holding. 

When I was online back in mid-XX/XX/XXXX, I logged into Stearns website to view my mortgage payment. I was shocked to see {$1200.00} was owed, considering my previous loan payments to my lender have been just over {$1000.00}. I then called Stearns ' customer service line on XX/XX/18 and spoke to them for over an hour. 

On my XXXX call, we discovered the following : My interior annual home insurance of {$310.00} was paid from Stearns to XXXX TWICE on my behalf. Stearns XXXX  this up and never informed me about it. As a result, I had XXXX send me a second check for {$310.00} ( they previously refunded me, but the check was either lost or inadvertently discarded ). This has since been corrected, to my inconvenience. Just wanted to illustrate how poor Stearns ' customer service is in contacting their customers to explain their errors. 

Second, the payment increase was due to my estimated taxes spiking up about {$1000.00} annually- I am not disputing the escrow increase for this. 

The third item is what I'm looking to resolve- I had asked the service rep, XXXX whether my PMI was no longer necessary as I had paid down 20 % of my property value. She confirmed that it did ( a number of months previously if I recall ), and recommended I sent the escrow team an email, asking them to investigate when my PMI expired, refunding me for any PMI overpaid. I sent this email to customer service that same day XX/XX/XXXX. I received an auto email stating that my message was received. Stearns never replied to this email. On XX/XX/XXXX, I received a " PMI Refund '' check for {$13.00} from Stearns. They did not provide any explanation how this refund was calculated. Also, since this refund represents about XXXX of my previous monthly PMI paid, I am skeptical that this refund is accurate. 

I have since sent Stearns follow up requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting clarity on how my {$13.00} refund check is caclulated. During this whole period, I only received one customer service response on XX/XX/XXXX, stating that they were forwarding my PMI request to the mortgage
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swearto the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to your reporting information in my name to the consumer reporting agencies. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00}
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TRANSUNION AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.
Consumer complaint received 2023-09-24
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I'm a huge advocate for my kids the XXXX that receive XXXX & I refuse to allow anyone to take advantage even this card company! On XX/XX/XXXX all the way up to XX/XX/XXXX my card was used for unauthorized transactions I was unable to get into my Direct Express account due to Direct Express suspending my account because they realized fraudulent activities as well. I was finally able to speak to someone but it was the weekend and she took the suspension off and made notes about the unauthorized transactions. I turned in all required documentation required and still haven't received anything. When I call I get told I qualify for a provisional credit but there is no date or time frame they still have to approve it. This is ridiculous I am a single mother of XXXX kids XXXX in which receive XXXX due to them having a XXXX and I'm currently XXXX XXXX XXXX. I will continue to be an advocate for my kids!
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I was contacted by Credence Resource Management , LLC. about a pending debt with XXXX XXXX XXXX of a XXXX account I do not have. I contacted XXXX XXXX XXXX and confirmed I dont have or had in the past an account with them. I also dispute the case with Credence Resource Management , LLC. and requested a written notice of the case, which I didnt receive. The person that called mentioned the case was sent to collections, which has impacted my credit score.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my credit card without notifying me first and kept all of my unused cash rewards that I earned by using my card. I had about $ XXXX {$6000.00} in rewards that I was not able to cash out due to them closing my account and keeping my money.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-25
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 1681-s2 ( 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 2023-08-15
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: Experian Information Solutions Inc. (NY)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I attempted to transfer money from my Citizens Access online savings to my XXXX Checking account through the Citizens Access bank app. After confirming the transfer there was no record of the transfer pending or completed on my account, so I attempted to process the transfer again with the same outcome, no record of the transfer being recorded. the next day I received both text and email alerts that neither transaction was able to be completed and to call and speak to a representative. 

Upon speaking to a representative, they let me know my account was under review but could not give me any information about what the review was for, when the review would be conducted or how long the review would take to be completed. I waited a day and called back to see if there was any more detail on the review. Again, the representative told me no information was available with respect to why, when or how long the review on my account would take place. I asked to speak to a manager who confirmed this same message..

I requested to simply close out my accounts. The manager told me that I could not close my accounts or access my savings balances in any way shape or form until the review of my account was completed. She told me a letter is being sent out about the review but could not tell me anything about the contents of the letter. When I asked to speak with someone in the office who manages the account review, she told me that I was not able to speak with anyone in the review office either. 

I am no longer comfortable working with Citizens Access as transparent information about the managing of my money is unavailable and access to my money has not been possible to date.

I would not recommend that other consumers use Citizen Access high yield savings. The return is not worth while if you are not able to access your money.
Consumer complaint received 2023-09-25
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$330.00}
Consumer complaint received 2023-09-25
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-15
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. (IN)

The following inquiries are not mine. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX dates back to XX/XX/XXXX
Consumer complaint received 2023-09-25
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: WELLS FARGO & COMPANY (CA)

My credit report is showing late payments to WELLS FARGO BANK N.A XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Consumer complaint received 2023-09-25
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX