davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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 : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : 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 XXXXXX/XX/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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

was supposed to check validation and a accuracy on this account. 
XXXX XXXX  over XXXX  year TransUnion XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Maker Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8200.00} {$8200.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$8200.00} {$8200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.

Merchandise was taken back by credit grantor ; there may be a balance due.

Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX accuracy on account.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MN)

We own a cabin property located in XXXX XXXX XXXX that has four-separate RE parcel numbers and four-separate RE tax statements. The parcels are as follows : XXXX XXXX ( delinquent XXXX ) XXXX XXXX ( delinquent XXXX ) In XXXX, I logged onto our BSI account to determine what the mortgage loan escrow account balance was and discovered that two annual tax payments were made on XX/XX/XXXX. One payment was in the amount of {$1100.00} and the other was in the amount of {$2.00}. I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department. Since my initial conversation, I had spoken with six to seven different BSI customer service representatives and was notified that the delinquent RE taxes due in XXXX were not initially paid in XX/XX/XXXX ( when the RE tax amounts were deducted from this escrow account ) but instead were deducted from our escrow account and paid in full in XX/XX/XXXX. After going back and forth with a customer service representative, I requested a copy of our escrow account disbursements, which confirms that these RE taxes were paid TWICE ( once in XX/XX/XXXX and again in XX/XX/XXXX ). I then called BSI and spoke with another customer service representative ( XXXX ) who informed me that I needed to contact XXXX XXXX XXXX. When I contacted the County, they confirmed that the RE estate taxes for these two parcels indicated above were not paid in XXXXbut instead paid in full in XX/XX/XXXX. 

Once again, I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department and spoke with XXXX, Supervisor who agreed that these tax payments were deducted from our escrow account in XX/XX/XXXX and again in XX/XX/XXXX. XXXX informed me that he would do additional research to see where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I spoke with the XXXX XXXX XXXX Supervisor to confirm that they did not receive payment from BSI Financial in XX/XX/XXXX for the delinquent XXXX RE taxes. After searching through their records, he did not find any other payments from BSI financial and indicated that BSI should check its records to see if the check sent in XX/XX/XXXX was cashed by XXXX XXXX XXXX and if it was to provide me with the check number so that they can confirm. 

I have requested written confirmation of where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I have sent two written requests to the tax/escrow department at BSI Financial Services once in XX/XX/XXXX and again in XXXX. I have not received a written response or any additional information from them.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (LA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. 

They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. 

I am not sure whom they are verifying this with but it is inaccurate.
Consumer complaint received 2024-06-04
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. (NV)

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-06-19
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: Experian Information Solutions 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.

The letters are stated with items and issues.

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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my XXXX XXXX has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX did a loan modification without all the paperwork and denied myself the XXXX for my service in the military. I am adding information to cfpb case #XXXX. signature on power of attorney is not mine that they have on file. Then XXXX acquired the loan from XXXX instead of fixing the issue the let never investigated it or fixed it then we provided the with a XXXX dollar check nothing was applied to loan the just returned $XXXX stating that is was part of a lawsuit if so then were did the XXXX go for the loan my mother paid. Then the loan was sold to Nationstar mortgage how can they own the loan with out the proper signed documents. My mother already provided the assignment that XXXX provided to us and nationstar mortgage that gave XXXX and XXXX the rights to the loan if that was the case was it never signed, notarized, and filed at the court house to this date that document is not filed there. As well as who signed my initials on the power of attorney that XXXX provided for the loan mod that was done in XX/XX/XXXX why the loan done in XXXX TX, why did XXXX, XXXX trying to hide this information from nationstar mortgage and us. Why is it that XXXX gave us a case number for the investigation that they were going to do when none was done. How can XXXX people that were deceased sign quick claim deeds for a loan mod. And how can they adjust the loan payment to reflect the loan mod if no paperwork was officially signed by all parties. And now why is nationstar wanting a loan mod done on this loan and us to provide info on the loan with XX/XX/XXXX-XX/XX/XXXX tax statements when they didn't take over the servicing right till XX/XX/XXXX.
Consumer complaint received 2024-06-05
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. (CT)

Equifax has not updated me on the results of my disputes even though it shows one was completed more than 5 days ago and the other two weeks ago. I specifically had to call to ask for the results since I was not notified. This item was already removed from my experian report and the originator already agreed to have it removed as it is an error reported. ( See attached ) It should not be still affecting me by showing on my report. This is irresponsible of the credit bureau as I should have received the results of the report once completed or within the five business days. The investigation was them simply asking if the account belongs to me and that was it. According to them the company reported that I does belong to me but I had an official letter from the company confirming that it does not. XXXX also did a more thorough investigation and concluded that this report was in error. The company supervisor suggested that I file a 4th dispute leaving me feeling unprotected with their horrible service.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

The issue involves Chase XXXX card. 

On my XXXX statement it included the amount of {$10000.00} as the XXXX XXXX XXXX. The Payment due date is XX/XX/XXXX. I paid {$11000.00} on XX/XX/XXXX. 

On My XXXX statement I was still charged interest of {$130.00}. 

Talking to Chase customer service they explained because I didn't pay the entire balance of my XXXX statement. When I asked then why would my XXXX statement specifically mention one number to avoid paying interest when its not accurate.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, an unauthorized user called into Macy 's Credit Card services and changed the name on the account from my name to their name using the self-serve phone tree and self validated using the last for of my social security. 

This person then made an unauthorized, in store purchase of fragrances on XX/XX/XXXX for a total of {$250.00}. 

I received an email asking me to leave feedback regarding my in-store purchase. I then promptly called in and reported the fraud / unauthorized purchases and requested to close my account. 

After I closed the account, the unathorized user then called back in and had a new credit card issued which they then did another in store purchase for {$350.00}, this time for watches. 

I called in immediately and reported a stolen card and again asked Macy 's to close my account. 

Then on XX/XX/XXXX, I was notified that Macy 's had issued another card to the unauthorized user. I called in and again reported the card stolen and again asked for my account to be closed. 

Then again on XX/XX/XXXX, I received a notification that a new purchase of {$120.00} was just made using a brand new Macy 's Star Rewards credit card in the authorized users name which using my social security number. I called in on the XXXX to escalate and have been told that the account will be closed and no further credit cards will be issued ( Same thing I was told the three past times ).
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 I was in a XXXX XXXXXXXX situation and was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a car loan, my abuser took advantage of my mental health and the mental health of my children and forced me to use my XXXX XXXX XXXXXXXX payments to put a down payment on the truck, i was scared and unaware of what i was doing as i went into the dealership ( XXXX XXXX XXXX in XXXX Ohio ) by myself and my abuser in the car holding my children XXXX, i had been secretly working on my credit to flee from my abuser and didnt want to finance a loan to begin with. The car salesman also spoke to my abuser and allowed him to make decisions on what truck he wanted and i went inside unaware of what i was doing out of fear and signed paperwork to finance with XXXX XXXX, they gave me extremely high payments XXXX per month which is more than XXXX percent of my son 's XXXX and the only incoming in the home because i am unable to work due to the XXXX  XXXX inside the home. on XX/XX/2022 I called back up to the dealership and let them know what was done and that i didnt really want the car, but the dealership was no help. I was told by the manager of the dealership to contact XXXX XXXX because it was their responsibility now and to explain the them what was going on, XXXX XXXX, transferred me to different people who were no help and said they could not get me out of the contract that was signed, i sent paperwork to prove that i was in a XXXX XXXXXXXX situation and was forced to sign into a contract with them. They never let me out of the contract, they dont care that they are making my situation worse and more unsafe. I've had a few late payments reported to the credit that has affected my score tremendously, i've disputed and asked for forgiveness on the late payments with no help or success. XXXX XXXX is now reporting false late payments and because of that my score has dropped over XXXX points, leaving me and my children stuck and in danger and unable to flee.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (GA)

I already have a file opened. File # XXXX. I am submitting new information and a new complaint. In regards to my first complaints with PNC Bank adding fees on tops of fees, they added {$7.00} a day that money was not in the account on top of the NSF fee ... when the bank received my complaint, a gentleman from the bank contacted me and stated he would look into my account and that he would call me back. Well XXXX week later, I was calling the bank to check on the status of my complaint to see why I could not log into my account with my phone app only to find out that they closed my account. They did a credit of all but {$74.00} and charged my account off with no phone call and no notification. They did not tell me they were charging my account off in which they should not have done that and it was not even enough time that have gone by for them to charge my account off. I want my account back opened. This is bad business on their part and poor customer service!