davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (TX)

This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

The escrow amount being required for the upcoming year was not aligned with the amount of taxes or insurance which will be owed. I asked that the escrow be removed from my account. I was told to pay the current shortage of {$520.00} which I did on XX/XX/2023. 

The company experienced a data breach which resulted in the website being completely taken down and phone calls were extremely difficult and sometime just not answered. 

After too many calls to count, the issue is still not resolved. I was told to wait 5 business days which it has been as of today. No resolution has been made and I have not been contacted by anyone from LakeView or XXXX.
Consumer complaint received 2023-08-25
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 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 2023-09-15
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. (TN)

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 DEPT OF EDUCATION/XXXX XXXX XXXX XXXX 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 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 2023-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AR)

I was trying to purchase a car at the end of last year and I seen a collection on my account for Hunter Warfield I proceeded to right them a letter asking for proof that I owned the debt because I didn't recognize it. Instead of sending a response all they sent me was a threat to sue for unpaid debt. I have been sending letters and have been ignored.
Consumer complaint received 2023-04-27
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. (WA)

The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, Experian and XXXX about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.
Consumer complaint received 2023-05-11
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. (GA)

I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.
Consumer complaint received 2024-06-03
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 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (FL)

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I'm contacting you in regards to my mortgage company. My mortgage company put forced home insurance on my account which I never approved or authorized or signed for. They are trying to bill me for about 3 months for having a lapse in coverage and they tell me that it will only cover if my four walls fall down, which I've never heard of a insurance company not covering more. The amount that they are charging is almost how much I pay for home insurance in one year. They sent me a bill on XX/XX/2019 for {$1000.00}. I contacted them and told them that that was way more then it should be. They said that they couldn't credit or waive any amount and wouldn't work with me or speak with me anymore about working with my account. I then sent in my XX/XX/2019 payment for {$1000.00} and they never applied my payment to my account. I contacted them and asked them why and they said that I hadn't paid the amount that they had billed extra for the home insurance and since they didn't get the whole amount that they wouldn't be able to apply the {$1000.00} to my XX/XX/2019 payment. Now it's XX/XX/2019 and I contacted them again and they said since they hadn't received the whole amount that they are charging for the XX/XX/2019 bill that they are going to report it to the credit bureau as late. They are basically holding my payment as ransom and refuse to apply my payment to my XX/XX/2019 bill. Not only that, but when I send in my XX/XX/2019 payment for this month of {$1000.00}, they will apply whatever they want to the XX/XX/2019 bill and they deduct that amount from the XX/XX/2019 payment, then my whole XX/XX/2019 payment will not be applied and then they will wind up marking that as late also and holding that payment ransom also, even though the bill will be on time. Then I will keep being late on my account, having it reported to my credit, and them taking whatever they want out of my money to supposedly apply it to the home insurance, but I really believe that they are scamming me out of my money and want to have them investigated and reported and for this to be taken off.
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (NY)

The home that was left to me by my late grandfather is in foreclosure. I have stressed how to get the house out of foreclosure after the XXXX disaster. I have no other option at this time but to sell the property. I have requested a payoff letter b/c I have a buyer. We are ready to close they sent me a payoff letter that did not reflect the Loss of draft surplus funds. 
I requested a payoff letter on XX/XX/2023 it took a few days to get the payoff letter which didn't include the surplus funds in the amount of {$15000.00}. I asked if could there be another payoff sent with the correct numbers she never told me that I had to write a letter stating that I wished to have the funds applied to the payoff. They were being deceitful by leaving off that information knowing the property was being sold. why would you not provide the full overview of the account if a payoff implies there is going to be a sale or a settlement of the account? instead, she directed me to speak with loss draft I spoke to their supervisor on or around XX/XX/2023, and the supervisor then told me to send a letter to request to apply the loss draft funds to the account which I sent on XXXX XXXX XXXX XXXX XXXX XXXX No one is helping me resolve which seems like a easy task to show that there are addition funds that should be applied to the pay off letter. 
ALL I AM TRYING TO DO IS OBTAIN A PAYOFF LETTER THAT SHOWS THE PAYOFF AMOUNT AFTER THE LOSS DRAFT FUNDS HAVE BEEN APPLIED. 
AS OF TODAY SPEAKING WITH XXXX XXXX she tried to contact the departments and no one answered her. SO WE GOT NO WHERE. I don't know what to do anymore. after speaking with the loss draft dept. rep XXXX who says they are the depart that handles the payoff request has not received my letter and has no open report. after I became very frustrated I asked him to send me written instructions on how to resolve this process he refused to send it on paper via email it US mail. I told him I needed an outline of what to do because the direction over the phone had held me up for over a month and I had no resolution. I am afraid my buyer will walk away from the sale if they don't send me a payoff letter including the loss draft funds. Every department is sending me to another. None of them took the time to speak with one another directly. So each Time I call it is something new. I am frustrated and ready to give up. I already have anxiety and can't sleep at night because of this. This taking a toll on me XXXX and my health is at risk.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IN)

I was issued a Chime debit card that I did not request. The card has an incorrect first name, correct last name, Current address. They have my phone number and email address. When I called their number listed on the card and website, they called me back as being verified. The automated phone system requested that I press 1 if I requested the call. Every time I press 1, the phone hangs up. Can't find any other way to contact them other than their listed phone number. I don't know if a bank account is attached to this account, I did not finish setting up this account with a Direct Deposit as requested. There were no hits on my credit bureau accounts. Would really like to know how this account was set up without my approval and with an incorrect first name.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DC)

When at XXXX, I got offered a credit card that would give me 25 % off a large purchase. I took it. Comenity was the bank offering the card. 

For the first payment, it took me FOREVER to find a phone # to make the payment as I never got a bill/statement. I finally found a phone # on the web, and make a full payment of my entire balance, on time on XX/XX/XXXX. I paid via my bank account with XXXX. 

I called Comenity on XX/XX/XXXX and XX/XX/XXXX as they never took out money from XXXX account. Comentiy told me their IT systems were being repaired, but my account was paid in full, I owed {$0.00}. 

In XXXX, I received a paper bill at my house. Comenity claimed to have a returned check from my XXXX bank on XX/XX/XXXX. Due to the " returned check '' ( which never was ), they charged me late fees and interest fees, and returned check fee. 

XXXX, my bank, has no record of a returned check, and I have enough money to pay the full bill. Comenity never tried to take out the money. I went to XXXX so I had tried evidence to submit to Comenity. I got a report from XXXX showing I had to returned check fees. When I tried to submit the report to Comenity per their advice, the and Comenity website kept saying " issue - cant accept attachments '', and the messages I wrote on the Comenity " secured message center '' kept disappearing due to " system issues '' at Comenity.

Comenity is a Fraudulent company. All these young people who shop at XXXX, many of who are minorities, are getting charged for things that are not accurate. 

The Feds need to investigate!
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I attempted to apply for a bank account, and I was advised I was unable to get an account because I was in XXXX and XXXX XXXX. I was told how to obtain my consumer disclosure reports. While reviewing the reports, I realized I was a victim of identity theft with Bank of America and XXXX XXXX. I also was advised to send them an XXXX report in connection with the identity theft that I've been a victim of. I lost my identification and just ordered a new driver 's license and social security card in XX/XX/2020, not realizing someone would find it and use it to gain access to my life. Please assist with the removal of this erroneous and untrue information that I am a victim of. It is truly detrimental to the growth and lifestyle I am trying to maintain for myself and my child. Thank you.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've found that my credit report has erroneous information for the third time! According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX  and will attach the response from XXXX XXXX.
Consumer complaint received 2024-06-02
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. (OK)

This XXXX XXXX XXXX Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.