davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (NJ)

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.

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 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV & Resurgent did not provide the proper validation that I asked them to send me. I disputed this last week and received a notification saying that I am complaining about the same thing. It isn't a duplicate dispute. I never received any documents or contracts of any agreements with LVNV or Resurgent certified mail. I asked for the companies to provide each step and the proper steps of validation. The process of who they talked to, to validate the deb, original contracts of any sort. Who you talked contact and the persons address and phone number you talked to that provided this information. I have a screen shots of the accounts dated active on XX/XX/2024 I will be attaching them along these dates are incorrect of any activity. I was never given any proper notice via certified mail of no documents whatsoever. There's several issues going on here and it seems fishy and fraudulent of this company denying me the proper validation, any contracts. I have no activity with this account nothing at all. Date opened where was this and what application? Please provide any and all contracts to open this account. Provide legal and proper validation of person place time I applied for account listed on my consumer report.
Consumer complaint received 2024-04-14
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.

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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I attain a car loan on XXXX from XXXX XXXX XXXX and never miss any payment up too XX/XX/2023 when this car got stolen and at that point I stop paying and filed a police report and a clam on this matter, but this bank continue too hit my credit as late payments and this car is no longer in my possession. NOTE : 15 U.S. code 1681, 1681b & 15 U.S. Code 1666b stating facts ; " Congressional findings and statement of purpose, " Permissible Purpose Of Consumer Reports '' XXXXConsumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates. XXXX. 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. I also want to address an issue with XXXX not removing two address from my credit report that I have made known this is not my address and they ignored me those are XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX, XXXX XXXX these are not my address!
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Lakeview loan servicing first mixed up with the dates for my insurance so they could say that I didn't have insurance for XXXX  days and charge me {$160.00} from my escrow account when I did in fact have insurance for those XXXX  days. They have done XXXX escrow analysis on my account this month alone which has changed my payment XXXX times to the point where I do not know what I need to pay come the XXXX of next month. They were supposed to have a supervisor call me back but they never called so I had to call them multiple times to get any information about my account. They allowed me to pay to my escrow account a shortage amount while escrow account was having an analysis done on it so now they're telling me I have a secondary shortage that was not covered by that full shortage payment that I made. They're also telling me that XXXX XXXX XXXX in XXXX is when they're typically done but in XXXX they have already done XXXX escrow analysis and one I asked them if they will do XXXX in XXXX that could potentially change my payment yet again they said maybe. Also it seems like none of their employees have an understanding of their actual job.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (NJ)

Dear CFPB, Madam/Sir : I look at my XXXX Credit report and I find out that this debt collector had the Negligence of reporting a debt With Out writing me FIRST a letter in regards to the debt from the first party that is XXXX. The debt collector is adding in my XXXX credit report with out authorization, the amount of : {$230.00}. They were supposed to mail me a letter that is called Debt Validation Letter, than after receiving this letter, I have 30 days to answer the debt collector. The debt collector is Braking The Fair Debt Collector Practice Act ( FDCPA ). The debt collector is Braking Communication with me as a consumer or third parties in any prohibited manner. ( 15 U.S.C. 1692b and C ). At the same time I already made arrangement with XXXX XXXX XXXX to pay the First party and negotiate the payment. Thank you Very Much. Respectfully yours. XXXX
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Golden State Home Loans Inc. (CA)

XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX California has made the number of personal attacks against me for complaining about his service on XXXX reviews. I have had to delete the comments and repost them after he has replied to my comments with personal attacks and personal information regarding my complaints of his service. He continues to do this. I made a previous complaint regarding this before and his comments that he posted online said that the consumer protection advocate at your agency just laughed with him that I was crazy. This is unacceptable. This man is professional and his practices need to be investigated. He is in business to serve the consumer and not disparaged people that he does a poor job with when they complain.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

We were contacted via telephone by Citibank on XX/XX/XXXX regarding suspicious debits to our small business savings account. These amounts of {$2000.00} and {$4000.00} were charged to our account on XX/XX/XXXX and XX/XX/XXXX, respectively. Both transactions were transfers to accounts at XXXX XXXX Bank. We told Citibank that these transactions were not authorized. They told us to contact their Fraud Services Dept. toll-free phone number. 
We immediately called the Citibank Fraud Services Dept. and explained the situation. They " blocked '' our savings account so that no new transactions could be posted and initiated a case. 
Over the course of the next several months, we received and sent correspondence, made numerous phone calls and sent emails, coordinated with our local Citibank branch manager, contacted XXXX XXXX XXXX, etc. Citibank dragged their feet every step of the way, closing and re-opening our case, and producing no resolution. 
The most recent letter we received from Citibank dated XX/XX/XXXX stated that " Due to the limited time that banks are allowed to return these types of transactions, we are unable to return these items. ... Unfortunately, we are unable to assist you any further regarding these transactions. '' We have not yet been reimbursed for these funds that were erroneously charged to our account. We are awaiting a credit back to our savings account in the amount of {$6000.00}. 
Thank you.
Consumer complaint received 2024-02-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (SC)

I was given a Vanilla Visa gift card for {$250.00} for a birthday present. I tried to use that card to purchase a XXXX  on XX/XX/XXXX, but because the XXXX was more than the amount on the card, the card didn't go through. But when I tried to use the card again, thinking there should still be money on it, the card declined. When I checked the balance, there was {$0.00} on the card. On XX/XX/XXXX, I called the card company and told them what happened. They said to talk to the merchant. So I did and found out there was not a record of that charge in their system whatsoever for that date. There was only the record of the other form of payment we used to cover it. So I called the card company back and they said they would reverse the charge and have my money back to me within 7 days. Well after that 7 days was up, I checked the balance again and the money still wasn't there, so I called the card company back and put in a dispute. They said this process would take at least 3 months, but should be resolved by XX/XX/XXXX. As of now XX/XX/XXXX, it is still not resolved.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

theres several delinquent accounts as well as incorrect information on my credit report that should be removed due to the F.C.R.A THESE SHOULD BE REMOVED AS WELL AS THE PERSONAL INFORMATION UPDATED to ONE NAME, ADDRESS AND SOCIAL SECURITY NUMBER
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I placed a security freeze on my credit file with all three agencies. In XX/XX/XXXX, the freeze with Experian was removed without my knowledge or consent. 

I discovered on XX/XX/XXXXXXXX XXXX  that my security freeze had been permanently removed when I was planning to remove the freeze for a loan application. The freezes were still in place with the other two agencies When I followed up with Experian, they informed me that the freeze was removed XX/XX/XXXX, but could not provide any further information ( means of removing the freeze, etc. ). 

There were fraudulent address and phone number added to my credit in early XXXXXXXX  ( exact date unknown ), which has since been removed. Other crimes associated with the fraudulent activity are currently being pursued by the Department of Justice. 

Despite keeping the PIN required for removal of the security freeze secure, the freeze was lifted without my knowledge or consent.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I received notice over the summer I was going to have to start repayment on my student loan. Borrower defense told me since my discharge is pending that I wouldn't be billed because I won't be responsible for payments until the discharge is complete. I haven't been able to get a straight answer from student aid of nelnet on any of this but put my account into forbearance on my own until nelnet got notice from student aid to put it into forbearance. Since then they did get notice and put the account into forbearance but are saying I have a past due balance and a payment coming up despite the fact that I shouldn't have been billed in the first place. This is going to cause problems for me financially if they keep billing and marking me delinquent.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (FL)

COMPLAINANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX XX/XX/XXXX Re : Disputed Increased Interest Rate RESPONDENTS TD Bank XXXX XXXX. ( issuer ) XXXX XXXX XXXX XXXX ( license ) ) Nordstrom ( retail ) Customer Service ( third party ) I am a XXXX widow and have been a credit card holder of the above Respondents credit card since XXXX. After a careful review of my credit card statements from 1999 to present by a business professional, I am disputing {$18000.00} in unauthorized, predatory, deceptive, abusive, phony, manipulative, negligent and exploiting the elderlys credit card interest rate by unconscionably increasing the interest rates fourfold, and without the 45 day notice, violating The Card Act and Florida Statute 825.101 & 825.103. All merchant transactions were paid for in full. The Respondents unauthorized and unconscionable increase in interest rates were nullified by violation of law. The card holder gives Respondents notice, that the card holder does not authorize and will dispute any late payment fees, payment penalties or interest increases on the disputed interest balance amount from this date forward. The card holder also gives notice, that the Respondents must hold and treat all disputes in abeyance until resolved by the parties. The card holder never made a late payment even though the interest rate was increased fourfold. This is taking advantage of the elderly that survives on a fixed income, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and 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 2024-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

My name is XXXX XXXX. I received a letter form Wells Fargo that they are closing my account effective XX/XX/scrub>XX/XX/XXXX Aside from dealing with various XXXX illnesses and XXXX family deaths and numerous other personal issues, I have managed to pay all my bills and my loan in a timely fashion with Wells Fargo. I have banked with them well over 10 years, had numerous cards, loans, and have never defaulted. I have had several NSF fees, but my direct deposits gets credited and I always make my account whole. I spoke to multiple reps who have told me that the Wells Fargo does not need a reason to close my account, and that decision is final. I also have a loan with Wells Fargo that is nearly paid off, only about {$390.00} remaining. When the loan was initiated, it was set up for autopay with my current Wells Fargo account. I enrolled in autopay with my account to save on the rate. If they close my account, they are telling me that I have to come to the bank in person to pay the balance. I believe this would be a violation of the terms of my loan. They are choosing to close my account. I should not then be penalized to be forced to have to go to an in person branch to pay them. I find that highly unethical. I do not wish to close my account. I have numerous bills including my direct deposit that go into this financial institution. I have had a working relationship with them for over 10 years, and to arbitrarily close my account with no explanation whatsoever other than they have made a business decision. I think at bare minimum the account should remain open until the loan is paid off so that I can continue to my auto pay processed. I do not want to close it at all. My financial situation is improving and I wish to be given the opportunity given my long standing relationship to continue having my account open. 

Please reach out to them on behalf to see what can be done.
Consumer complaint received 2024-04-13
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NJ)

Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Amount Delinquent {$1800.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX Amount Delinquent {$1700.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 a gainst you!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (LA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.