davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (TX)

Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that Equifax, and XXXX Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.
Consumer complaint received 2024-05-29
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. (FL)

I had an XXXXXXXX XXXX XXXXXXXX card added to my credit report which was done falsely. XXXXXXXX XXXX  took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, XXXX, Equifax and XXXX and XXXXXXXX XXXX has not completed this request. I spoke to XXXX in Fraud Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation XXXX did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.
Consumer complaint received 2024-08-05
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ), a personal credit card account opened XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ), an installment account opened at XXXX XXXX XXXX on XXXX, XXXX under account number ( XXXX ), a credit card account opened at Peoples Advantage FCU on XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX & ( XXXX ) under account numbers ( XXXX ) ( XXXX ) a installment account opened at XXXX on XX/XX/XXXX under account number ( XXXX ) a personal credit card account opened with XXXX on XX/XX/XXXX under account number ( XXXX ) With a balance of {$35000.00} that appears related to the aforementioned. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a first and second mortgage originally with XXXX XXXX XXXX who sold the First Mortgage to Nationstar and XXXX retained the XXXX mortgage. I went through a divorce and lost my job of four years. I then applied for mortgage assistance with Nationstar who then began stringing me along. I have yet to receive a decision on my last application for mortgage assistance in XXXX 2016. To my surprise, Nationstar sold my loan to XXXX effective XXXX XXXX, 2016. When I contacted XXXX I was told that none of my paperwork from Nationstar was transferred and that foreclosure had begun with my XXXX XXXX. XXXX sent me a debt Validation Notice without a date on it. When I called XXXX they informed they were no longer handling the foreclosure and that it had been transferred to XXXX. I do not know who is my rightful servicer and trustee for my loan, in addition, I feel that because of the equity in my home I am being targeted and preyed otherwise the information I need to gain assistance would not be hidden from me.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (NY)

I returned my XXXX to XXXX XXXX and now I am seeing I have a balance of XXXX I have no idea what this balance is for. I have paid up my lease till the end. 
I want them to close the account to XXXX and no further collections or credit reporting. I have no idea what this balance is for
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of America Ltd. (IL)

I received a letter from collections from Collections Bureau of America for XXXX XXXX. I was never sent a bill. When I called XXXX water the representative was very rude and did not provide the requested documentation. After I asked when they sent physical bills out she would redirect question and asked why I didnt check my email. I advised that I have searched my email and also can not find any emails from them : when I asked her when emails were sent she could not provide information and instead stated she would be transferring me to a different agent and transferred me to the collections bureau
Consumer complaint received 2024-05-30
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. (CA)

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 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. 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 2024-05-12
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. (NC)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-08-05
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. (FL)

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I purchased a {$400.00} AMEX gift card from XXXX XXXX XXXX to utilize while on vacation. This card has declined at over XXXX different merchants, in person, over the phone and online retailers. Ive made several calls to AMEX Customer Service to receive no other answer than it is for the safety and security of the funds. I believe this is too secure if I cant access ANY of the funds EVER. So there is {$400.00} on this card that is not available for use. I would like refunded
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-02-25
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: Opportunity Financial, LLC (FL)

XXXX XXXX who provides online, short term loans through their sister company DBA Opploans continues to falsely report a balance due on an old account. Further, the balance continues to grow even though the account was marked as charge off. I have disputed this account numerous times over the years via the credit bureaus dispute centers. Each time, XXXX/Opploans failed to properly validate the debt directly with me and overall failed to adequately respond to the disputes time and time again. However, XXXX/Opploans continues to update the credit bureaus stating the data reported is correct and they continue to report a growing balance on a closed account. An account can not be closed/charged off and continue to grow in balance and report to credit bureaus as if it were an active and open loan. Per FDCPA and FCRA regulations, XXXX/Opploans have failed to properly respond to disputes and failed to properly and timely validate an allegedly owed debt. Per regulations, the debt must be marked as unenforceable and uncollectible, furthermore any and all collection efforts or attempts must end immediately and the account and data must be removed from the credit bureaus. Failure to not complete these steps is in violation of Federal guidelines. I request that XXXX/Opploans promptly remove the falsely and unverified data from my credit reports, mark the account within their system as unendurable and uncollectible, and immediately end any/all collection efforts that may be in place. Failure to do so could be construed as fraudulent activity and/or harassment.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-30
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. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

XX/XX/2023 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX and XX/XX/XXXX I mailed over to TransUnion a request to investigate late payments they are currently reporting on my credit report for 2 different accounts. I've provided receipts and transaction history that proves I was never late on any payments. 

Each time that I received an update from TransUnion, it would just update the months they are claiming I was late on the account. Basically moving late payments around from month to month. For example it would go from XXXX being late and XXXX being current to XXXX being late and XXXX current. It would be a constant back and forth with moving dates around which is inaccurate. 

I would also receive stall tactics from TransUnion, one advising that my address couldn't be updated to later receiving mail at my current address that I was attempting to update. 

When requesting to verify the information they've received from the creditor, I wouldn't receive any documentation other than it's been verified but my receipts are showing something completely different. 

I've sent in proof twice already and nothing has been updated/corrected.
Consumer complaint received 2024-05-11
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. (PA)

XXXX, Equifax, and XXXX are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer report immediately.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (FL)

The disbursement amount {$5300.00} reflected in my Loan on XXXX XXXX. It does not match the true taxes {$720.00} of my property for XXXX. 


As a result of this error, BSI Financial increased my monthly payments to {$2500.00}, I called them and told them that I could not pay that amount, and that there was an error on my taxes. BSI changed my monthly payments to {$2100.00}. I usually pay at the end of the month but this payment had to wait for them so it was made XXXX XX/XX/XXXX. This payment should have been due in XXXX. but the website showed that it had not been done. 

I called BSI to ask them why my payment was not reflected, to which they replied that I should send proof of my payment. 

On XX/XX/XXXX, I sent BSI proof of my true taxes and my XXXX payment. I told them that it was unfair that they increased my monthly payment to XXXX for money that I did not owe them. 

BSI told me they will carry out a review. They changed my monthly payments from XXXX to XXXX and the website showed that I had to pay it in XXXX. 

All the monthly changes were made based on the wrong taxes, so I am paying {$5300.00} with interest. 

From XXXX until today, I have sent faxes and emails, none of them have been answered. 

I received a letter from the BSI where they assigned me a person who was familiar with my loan, they gave me a telephone number and an extension, but that extension does not exist. I sent faxes, emails, but none were answered. 

I have called costumer services on multiple occasions. they never refer me to any department. They are friendly, they say they are going to contact the escrow department and that I should wait 3 to 5 days. None of them follow up. They have never called me again, when those 3 or 5 days passed, and when I call again, the same thing is repeated, they are going to contact the escrow department and I have to wait 3 to 5 days. I have asked them to send me a confirmation letter explaining to me what they are doing and how long I should wait, so far have never sent it to me. 

I made my fourteenth payment on XXXX XX/XX/XXXX of {$1600.00} and my fifteenth payment of {$1600.00} on XXXX XX/XX/XXXX but the website showed that I owed two months, so I made my sixteenth payment of {$2100.00} on XXXX XX/XX/XXXX because that was what the website showed, my seventeenth payment of {$1600.00} XXXX XX/XX/XXXX, and my eighteenth payment of {$1600.00} on XXXX XX/XX/XXXX. 

My loan started on XXXX XX/XX/XXXX. BSI has received and processed eighteen payments, which can be seen in my transcript history, yet the website shows that I must pay XXXX. 

When I call BSI customer services they answer that they are reviewing my case. But they have never sent me a confirmation that they are reviewing my case. I have only received letters saying I owe money, which I am paying with late interest and charges.