davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

On XX/XX/XXXX, it came to my attention that someone had stolen my identity and used it to rent an apartment in XXXX, XXXX  at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, according to the collection agency XXXX XXXX XXXX XXXX - the apartment sent them collection account of {$4100.00} for two months rent from XX/XX/XXXX - XX/XX/XXXX, I have never visited XXXX  let alone live there. I called Experian to inform them of the identity theft and asked them to make sure my information is correct which they're not. 

My full legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the only address I lived in since XXXX I want the following misspelled names removed from the credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX  - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE (AL)

I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.
Consumer complaint received 2022-08-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-05-28
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)

It appears EQUIFAX is using Unfair & Deceptive Business practices to justify their Willful Non-Compliance of Regulation V 1022.142 ( e ) ( 4 ) as they continues to send out automated responses requesting " Victims Determination Documentation '' in which they are already in possession of. I am making a last and final attempt to resolve this issue amicably outside of court. All documents including but not limited to the " Victims Determination Documentation '' has been mailed by Notary Presentment and is also being [ ATTACHED ] to this complaint. EQUIFAX 's failure to comply will result in further legal action being taken against them.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hello! : - ) The FAIR CREDIT REPORTING ACT didn't give Experian enough incentive to correct and provide the accurate score. The score indicating XXXX after approximately 17 hard inquiries and a ( n ) XXXX XXXX collection deleted. I want the accurate score to be indicated, cards and all. XXXX : XX/XX/1977, XXXX. Address : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 
XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (PA)

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.

has violated my rights. Or a list of inquiries : 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 2024-02-22
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. (NJ)

Experian FAILURE TO RESPOND to XX/XX/2024 dispute. Experian FAILURE TO FOLLOW FCRA laws governed to protect consumers. Allowed investigation time has passed according to law. Can you investigate Experian please. 

Please attachments.
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

There is an online option payment which describes Due date, amount, principal, etc.

I made a payment with the specified due date, and put a specific amount for principal, the company does not apply the payment, which means if you don't catch up, and make a few phone calls, you will be late on your payments. Seems like the company does this to gain in interest, since they don't apply the payment right the way. 

Company SLS purchases insurance because they do not read the uploaded insurance.
Consumer complaint received 2024-07-01
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Reported a fraudulent charge on my account. Asked for a new card to be issued. Card never received. 
XXXX XXXX XX/XX/XXXX : requested 3 more cards all which were shipped to address that was not mine and charges continued. Bank of America never blocked any transactions event though I told them I did not have a card and I had no access to account. 
Was told that claims would handle it just to continue to report charges that were not made by me. 
XX/XX/XXXX : Bank of America would no longer discuss account with me because they could not verify ID. 
XX/XX/XXXX : was finally able to prove identity to regain access to account. Claims were instantly denied. Stated I had not provided any new evidence, so I completed another police report about the charges and provided that to bank of america, also went to bank of america location and provided proof of residency via USPS confirmation letters to prove I was not at location cards were being issued to. Have fax confirmation from location that all forms were received and attachedbto claim. 
XXXX XXXX XX/XX/XXXX claims closed multiple times because no new evidence denied hardship but reimbursed international ATM fees on som e charges. Claims denied due to not all transactions after XX/XX/XXXX ' were included in original claims. 
XX/XX/XXXX ' - contacted bank of america to see why claims were denied this time and spent 3 hours with an agent opening 2 more claims for transactions other customer service reps had missed in initial claims. The next day all three claims denied for no new evidence. I explained what more can I provide I have filed police report, proof that cards were not being mailed to me and all they say is it shows a trend in spending, even though they are aware it wasn't me spending. Bank of America states they had no idea this was happening but I have a letter from them reimbursing original claims from XX/XX/XXXX. State that I did not due diligence for claims and they have no record even though cards were being issued. I said that's stupid why would I request a new card if I hadn't filed a claim. Bank of America is still in XXXX denying my claim even though my account was XXXX liability if reported within that statement time which I did and have documents to prove. Total claims over XXXX by their account.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

- On XX/XX/XXXX, I called Mr. Cooper to make my XXXX mortgage payment. - I was told by the representative that their system can not accept my payment because there is a foreclosure sale date of XX/XX/XXXX. - I was told that I forfeited the property. - I am in active bankruptcy and no notification was sent to my bankruptcy attorney. - I was told that I was in arrears for over {$10000.00} - This is not the case. I pay my mortgage every month. - I contacted my attorney and they contacted Mr. Cooper who said that their records show that I missed several payments. - I provided my attorney with bank statements showing debits to Mr. Cooper for the periods in question - I also provided email confirmations from Mr Cooper stating the my payments were posted to the account. - This problem happened in XXXX of this year but Mr. Cooper sent notice to my attorney that I was in default. - We submitted proof to Mr. Cooper of all payments made each month along with their email confirmations stating that my payments were scheduled and posted. - I am being threatened again but this time I am being foreclosed on. And my attorney 's were not notified. - In XX/XX/XXXX I called Mr. Cooper to make my XXXX mortgage payment and the billing recording stated that I was in arrears. I bypassed the recording to speak to a representative and told her what the recording said and that it was incorrect. She confirmed that it was incorrect and my account was current. She then accepted my XXXX mortgage payment - I received a notice dated XX/XX/XXXX stating that I needed to pay {$8200.00} to bring my account current. I dismissed this as a mistake because the representative in XXXX said that I was current. - Mr. Cooper had a cyber breach in XX/XX/XXXX and shut down their system. Their records are not accurate and I am being threatened with foreclosure and I have proved multiple times that I have paid my mortgage each month and have not missed a payment. - I need to pay my XXXX mortgage payment but can not until they get their records straight. 

As of XX/XX/XXXX, I have been told by my attorneys who are in contact with Mr. Cooper that my account was current and I only owe for XXXX and XX/XX/XXXX ( which is true ) but the bill payment system still has my account in foreclosure status and will not accept my XXXX and XXXX mortgage payments and are proceeding with foreclosure on false information. I do not know how to make my payments! Please help.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XX/XX/XXXX tell XX/XX/XXXX My student loan from XXXX Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed XXXX Department School Loan and I have proof of the email as well, and also a email with a response back from XXXX Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX XXXX XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from XXXX is showing Delinquent by 120 days. 

I then again had contacted XXXX, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including Experience, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 15 USC 1681. 
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 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 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (OH)

I have a bank account with sofi Bank and online account recently my purse was stolen it had all my bank XXXXXXXX XXXXt cards XXXX birth certificates social security card everything in there including checks and the entire bank account was compromised I never even used it and I had they owe me over {$1600.00} that they will not give me they closed my account and sent me a check for {$8.00} and my first was stolen on XX/XX/year> and up until current all of the transactions are unauthorized I tried to talk to XXXX different people they won't do anything for me I need my money so if you could please help me receive these funds I would greatly appreciate it I asked for a supervisor they said I couldn't talk to one I mean someone can just steal your stuff out of your bank account and use your stuff and nobody cares it's ridiculous so please help me
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAY statement that they have not received any of my mail if fraudulent. Each presentment was timely and delivered with signature confirmation. 
I ask CFPB examine all the XXXX proof of delivery to Barclays. All XXXX presentments of the registered securities have been delivered to BARCLAYS and signed for by a Barclays representative. ALL DELIVERED ON TIME AND IN HONOR IN FULL ACCORDANCE WITH UCC 3.603. 
I am still waiting for the company to provide copy of my ORIGINAL SIGNATURE on any agreement or other promise-to-pay document that I agreed to the terms they have stated in their previous response of me needing to provide them " A conforming payment is a payment that is mailed using the envelope and payment coupon included with your statement, or mailed with a payment coupon printed from BarclaysUSXXXX and is in the form of a single, non-folded check or money order made payable in XXXX dollars from a XXXX financial institution. XXXX I have provided the ledger and here again will provide the tracking number of all XXXX registered bearer securities the XXXX has confirmed delivery of, that I have in honor and in timely manner sent Barclays for the extension of any of my credit. Also the proof that I rescinded any implied or otherwise given authorization or permission, whether knowingly or unknowingly, for Barclays to furnish or share ANY of my private personal data or consumer information.
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEB
TS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC (NV)

The Complainant sent the United Wholesale Mortgage - The Mortgage Company several correspondence including Notification and instructions regarding Accord Satisfaction. The company never responded to any of the correspondences.

The Complainant then sent a Money Order with instructions to settle the outstanding loan.

The company received and cashed the money order which settled the outstanding debt but continues to ignore the lawful accord satisfaction process and is sending the complainant threatening correspondences. 

See the attached summary of all communication between the Complainant and the company.