davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-26
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: 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. 

XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX  : # XXXX, Account XXXX Account : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account 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 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 2024-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/year>, I contacted this company, XXXX XXXX, via email to XXXX, upon the recommendation of a friend. I wanted to buy a 20 ft container. XXXX XXXX replied by email on XX/XX/XXXX, quoted {$2300.00} full price w delivery and sent me an invoice for me to pay 50 % in advance. That same day, XX/XX/XXXX, I paid by wire transfer because they wouldn't take credit cards ( MY HUGE MISTAKE. I only trusted this because I thought my friend had used them. Turns out my friend had not actually gone through with his transaction, but is still in discussion with them ). 

On XX/XX/XXXX, XXXX XXXX emailed me from XXXX and said he didn't have the money yet ( though I could see that the money had already left my bank account ). I told him I would meet him in person. I drove to the address ( XXXX XXXX XXXX XXXX, XXXX ) and there is nothing there. 

When I was on my way to their office I called and the number was very odd ( nothing about XXXX XXXX, it just went to a XXXX voicemail ). I hung up and a guy named XXXX with a foreign accent called me back. I asked to speak with XXXX XXXX and he said he had stepped out but would call me back. I said never mind, I just wanted to let him know I was five minutes away. XXXX tried to talk me out of coming to the office and when I was almost there I asked him to confirm the address and he hung up on me. When I tried to call him back I now get " The person you are trying to reach is not accepting calls at this time ''.
Consumer complaint received 2024-08-15
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 (NY)

XXXX XXXX XXXX held my XXXX loans in the amount of roughly {$75000.00} since XXXX. I made payments for about XXXX years and put the loans in forbearance in XXXX because I went back to school for my XXXX XXXX XXXX. This forbearance then coincided with XXXX in XX/XX/XXXX. As was the case with all XXXX loans, I was of the understanding that these loans were also covered by the XXXX governments ruling on suspension of payments. In XX/XX/XXXX, I was denied of co-signing for XXXX  loans for my son. I found out at this time that XXXX was still expecting payments, although I never received mail nor phone calls letting me know this information. At this time and the months/years that followed, they began informing me that the government would be taking over the loans and all past delinquencies would be wiped clean. In XX/XX/XXXX, XXXX became my new loan servicer and on the letter they sent, it states, '' Your XXXX loans are no longer considered in default '', " Your previous loan servicer has notified credit reporting agencies to remove any adverse credit reporting that occurred because of the default ''. XXXX then went and reported default in late XXXX which has blocked me from co-signing XXXX loans for my daughter. I have contacted XXXX directly and submitted inquiries through the credit agencies. XXXX not only refuses to comply with the letters, they outright refuse to remove this false information on my credit report.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX has violated my rights 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 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 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (VA)

Letter in the mail received XX/XX/XXXX informing me that outstanding debt with XXXX XXXX will be turned over to Harris & Harris, a Debt Collector. No amount listed. I attempted to call company and kept ringing ( no voicemail ). Text messages received XX/XX/XXXX and XX/XX/XXXX stating that I will receive texts from Harris & Harris. Attempted to call but it hung up before ringing. Website provided that was active, but no specific information. No claims number provided. Text on XX/XX/XXXX stated that I could pay only 80 % of my debt via text if preferred. I provided no financial information to this number.

I previously used XXXX XXXX from XXXX XXXX - XX/XX/XXXX at an apartment complex ( was individually billed by XXXX however the service was contracted with my apartment complex so I did not have to install or remove any hardware ). My outstanding balance at time of vacancy ( XX/XX/XXXX ) and receipt of hard letter ( XX/XX/XXXX ) was {$0.00}.
Consumer complaint received 2024-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MD)

I received my property tax bill for XXXX in the mail in XX/XX/2024 for {$7200.00}. I happened to look at my mortgage account statement and the taxes paid from my escrow account were triple the amount of the tax bill in total {$21000.00}. I called the mortgage company which is PHH Mortgage and they said they would do an investigation. In XXXX of 2024 they said there is nothing wrong. I questioned it further because the tax IDs on the payments from the escrow account are different. On XX/XX/2024 PHH Mortgage admitted over the phone that they paid other homes ( that I do not own ) property taxes from my escrow account. They have not corrected the issue or even clarify on how the issue can be fixed.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK (FL)

This company still insists, even after a complaint, on making me pay for a month 's worth of insurance from XXXX of 2023, even though I have insurance in full force now and there were no claim events in the month of XXXX. I was physically unable to get flood insurance due to the changes brought about by XXXX XXXX. I was cancelled by my old flood insurance because I filed a claim they did not pay, and the new insurance company required a 30 day period between my old policy expiring and theirs taking effect. I have performed responsibly and done all I can do, yet First Horizon insists I still have to pay them for flood insurance to cover a month already in the past. This is outrageous, and I will take them to small claims court if I have to. There are special circumstances in the state of FL that precluded me from having continuous flood coverage, but there is no harm and no foul due to the lapse as my flood coverage is fully in force now. I will not pay their extortion for this insurance.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent item in question poses a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent item from my credit report. If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your help to remove the fraudulent item in my credit XXXX XX/XX/year>.
Consumer complaint received 2021-08-25
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: BMW Financial Services NA, LLC (PA)

BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) BMW Financial was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) BMW Financial has harassed the physical person damaged my reputation and stole my property.

3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 BMW Financial has willfully mutilated my account XXXX  and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Consumer complaint received 2024-07-16
Product: Credit reporting 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 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 2024-07-16
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)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I had a direct deposit processed to the account. The funds were held illegally. When asked about the funds I was lied to and told they were not sent to them. After asking and arguing for a further investigation I was told my funds were held and I need to sign an email. When I requested the email it has not been sent.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, and XXXX XXXX  ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2023-10-03
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC. (PA)

I worked with Guaranteed Rate on a home purchase in XX/XX/2024. XXXX XXXX discussed details regarding the closing of my loan with the sellers agent, and attempted to convince me to close faster at the request of the sellers agent.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I visited Truist Bank, XXXX, VA several times last year after the patron died. I asked Customer Rep., XXXX, to send monies to the beneficiary from savings and checking accounts. I provided Administrator, death certificate, bank and savings account information. Beneficiary lives in XXXX XXXX  MO. It did not happen. 

I called and spoke to Bank Manager, XXXX XXXX on XX/XX/year>. She said XXXX would contact me. I called again on XX/XX/year> and again on XX/XX/year> at XXXX. She and XXXX were on the call. I told her beneficiary had financial problems and could not be expected to travel her to pick up less than {$4000.00}. I asked if she would send the monies to the beneficiary and close out the account. Following the manager 's instruction, I texted the beneficiary providing bank information and informed her to call the bank. The beneficiary has not responded to my text. Th beneficiary will not contact me as she believes I had or have access to the monies involved. 

I also asked that documentation of the closed account be sent to me for submittal to XXXX XXXX Commissioners. To this date, the bank has not acted upon my request. 
This inaction by the bank is not allowing me to close this estate matter. 

Thank you, XXXX XXXX XXXX