davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXas 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 ) states : 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 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OH)

My servicer, Midland Mortgage has approved me for a loan modification to bring my loan current. Midland has set an auction sale date on XXXX that starts on XX/XX/23 and ends on XX/XX/23. The first set of loan modification documents that I sent back to Midland, they said the notary made a mistake on the documents and they had to mail a new set out. The law firm that represents me in the foreclosure case has repeatedly reached out to Midland 's attorney to cancel the sale as there is a resolution to the issue that I have agreed that I am accepting. Midland 's attorney stated that Midland will not cancel the sale until they received the completed loan modification documents back and they are finalized. That is completely unacceptable as I still have not received the new set of loan modification documents they want me to complete as well as the law firm that represents me said they have never seen a servicer take this stance in all of the years they have been handling mortgage foreclosures when a resolution has been reached. The law firm has filed a motion with the court to withdraw the sale, but I am asking the CFPB to intervene as this is not right. I appreciate your assistance in getting them to cancel the sale. Thanks
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

I recently encountered multiple issues while opening a checking account with Truist Bank online. Initially, when attempting to create an online account, I encountered technical difficulties that caused the screen to freeze. After repeatedly clicking the button, I was blocked from accessing my account. To verify my identity, the bank requested that they send me a text message, but they were unable to use the number provided as it was registered under a business account. Despite explaining the situation, the issue persisted until I provided a different phone number. 

Unfortunately, my issues did not end there. When I attempted to log in to set up direct deposit, I received a notification that my account was blocked due to fraudulent activity. I was directed to visit a branch for further assistance, where I was informed that I had two accounts that were closed without explanation. The branch representative instructed me to wait for ten days before calling to request the return of my funds.

While I understand the importance of security measures, I find the handling of my situation by Truist Bank to be unacceptable. If the bank closes my account, I expect to receive my funds immediately. Waiting for ten days to request the return of my funds is unacceptable.
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Starting XXXX XXXX Bank of America started contacting me about or payments not being paid, I then contacted my wife and it was an error on her part, she was making the payments on line but did not hit process payment so it didn't go to the account. She then made a payment that day for XXXX, then the next day made another payment of XXXX also have confirmation numbers, according to them we were behind two months because XXXX had been paid and they applied it to XXXX? Since then even after she called them and thought it was taken care of they continue to call, my wife even told them that those were late charges and we only owe less than XXXX for a house worth XXXX? This is complete harassment and I have told them that! This has been going on for three weeks, them calling at my place of business and also the attitude they have about this whole thing! Please help I cant take much more of these embarrassing phone calls or a waste of my time! Its not like they are not going to get paid DUH!!! that we be stupid on our part.
Consumer complaint received 2023-05-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance charged off my account XXXX of XXXX. They refused to accept payments and told me if I was not able to pay XXXX in one lump sump I would have to wait until the account is sent to collections. They stated this is their policy and they can not do anything to assist. They updated my account ever month after the charge off with late payment and added interest to my account. the current balance on my credit as of XX/XX/XXXX is XXXX, XXXX. TD Auto has never sent a statement the charge off dates but it was continue activity on the account even when it was place in collections. The balance with the collection company is {$7300.00}. TD Auto Finance is not reflecting this amount or the payments I have made on my credit report. If they are activity reporting, they need to prove statements when interest is added. They are not doing this at all. I contacted TD Auto Finance and they informed me they are reporting correctly. This information is not correct because they will not accept any payment from me, but mark my account as a late payment every since month. This has hurt my credit tremendously. I tried to be proactive and ask TD Auto Finance if I can may payments or even get a new loan and roll the balance into the new loan. All my attempts were denied.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Collection company is attempting to collect on a debt that was removed from my credit profile previously and now they have replaced it back on my profile. I believe this is intentional to cause me catastrophic harm to my credit profile. Moreover, I never signed an agreement with this creditor at anytime for any reason.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BCI FINANCIAL GROUP, INC. (FL)

On XX/XX/XXXX I submitted a completed loss mitigation application to City National Bank as I was experiencing temporary unemployment and loss of income. I attempted to be proactive and reach out to XXXX to avoid default. For 3 months CNB has continued to not respond timely and to request the same documentation over and over again never once making a decision. At no point has there ever been a SPOC assigned to my case to make contact and to let me know what was needed to move forward. They continued to ask for the same income documentation on a weekly basis that was provided and intentional dragged out the process only to deliver a loss mitigation denial on XX/XX/XXXX. CNB has had ample time and documentation on which to make a decision of approval or denial. This loan has never gone into default however I struggled to make the payments until recently when my employment was reactivated in XXXX. These practices are unfair, deceptive and abusive in nature and do not comply with federal regulatory requirements for the loss mitigation process. These practices of delayed reaction and decisioning are tactical and strategic and discriminatory in nature.
Consumer complaint received 2023-12-20
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. (NC)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-20
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. (NC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XXXX
Consumer complaint received 2024-07-29
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. (UT)

I checked my credit report and I notice inquiries that I don't recognise. XXXX  XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I received an Escrow Analysis from Bank of America informing me that there was an overage in my escrow account. The letter stated that a check in the amount indicated within the letter would be mailed to me within XXXX business days. On XX/XX/XXXX, I contacted the bank to inquire what happened to the check. The bank rep did not know. I called back on XX/XX/XXXX. XXXX and the bank rep told me the check was sent to an address I lived at some 15 years ago. I asked the bank rep how this could happen if I did not call them to change the address. The bank rep did not know. I called again on XX/XX/XXXX, to find out why this continues to happen where someone is illegally accessing my account and making random changes. To date, I have not received a response. The only other person on the NOTE is XXXX XXXX. He relinquished all rights to the property via XXXX XXXX XXXX in XXXX. This same situation happened in XXXX and XXXX, there seems to be a pattern of every other year. Making the situation more concerning is I do not have access to an online account. When I request an online account, I am told that instructions will be mailed. Once the instructions arrive, they are addressed to XXXX XXXX, despite the mortgage statements coming in both our names. When I wrote to Consumer Financial Protection Bureau in XXXX, the Bank of America told you and me by way of letter that I may have been the victim of fraud. Obviously, this is not true and it is Bank of America that is committing the fraud.
Consumer complaint received 2023-12-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have a right to my 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.
Consumer complaint received 2024-04-09
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. (MI)

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 2023-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

" In light of recent investigations brought upon XXXX, I find that my consumer file is beingXXXX XXXX irresponsibly tampered with. Over the past XXXX XXXX | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see inXXXX vour system that this account was previously disputed without being thoroughly investigated XXXX not be XXXX  validated. ''
Consumer complaint received 2024-04-09
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)

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 2024-04-09
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-09
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. (IN)

XXXX XXXX XXXX XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!
Consumer complaint received 2024-05-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX, account # 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.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting incorrect information to the credit bureaus. 
XXXX XXXX XXXX is reporting a balance of {$9500.00} which is incorrect. The balance is {$0.00}. 
XXXX XXXX XXXX is also reporting late payment for XX/XX/XXXX, which is incorrect. 
The payment was not late for XXXX. The final payment was due XX/XX/XXXX and the payment was made XX/XX/XXXX in the amount of {$3500.00}. 

XXXX XXXX XXXX has also reported the following payments as late however, the payments were not late. The due date is the XXXX of each month with a 10-day grace period so the payments are not late until the XXXX of each month. 
Monthly payment amounts {$430.00}. 

Payment date Status Amount XXXX {$3500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$400.00} XXXX {$100.00} XXXX {$210.00} XXXX {$430.00} XXXX {$100.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00}
Consumer complaint received 2024-04-09
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. (AL)

I'm making this complaint against the Experian credit reporting agency. I'm a victim of identity theft. I have a fraudulent account that's reflected on my credit report that's not mine. The alleged account that's reflected on my credit report is XXXX XXXX XXXX XXXX. The alleged debt was sold to another Debt buyer. I started a dispute process with the collecting agency via a dispute letter and I have yet to receive a response to what I requested. I notified Experion of identity theft and filed an Identity theft report with the Federal Trade Commission. Experion temporarily barred the Information and removed the account just to reinstate the information. Experion has been very unprofessional with this matter and will not give me a clear explanation as to why they reinstated this fraudulent information on my credit report that's damaged my credit report. I forward all the necessary documentation to the Experian credit reporting agency via certified mail and with the proper Identity theft report on file.