davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.
Consumer complaint received 2023-03-12
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: Applied Data Finance, LLC (WI)

I have sent this company an FTC fraud report allowing them to see that this loan doesn't belong to me. Personify Fiancial is breaking many FCRA laws.

15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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.

Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate.

PERSONIFY FINANCIAL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have also filed a Dispute through the XXXX  Dispute and Currently have my states Attorney General looking into this matter as well as others. We as consumers have rights.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2023-04-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Called TIAAXXXX XXXX to make a payment to satisfy delinquency. The XXXX rep ( s ) informed me that I needed to speak with the attorney since my mortgage is now on foreclosure status. I was given the number XXXX, XXXX XXXX XXXX. was the attorney. I left numerous voicemails and not able to get a hold of anyone. I have been calling and leaving voicemails since XXXX this morning and have not heard back from anyone. Finally at around XXXX I am able to get a hold of someone by the name of XXXX XXXX . Instead of taking my payment for the settlement of {$7700.00} which is whats printed on my bank statement he informs me he has to reach out to the bank and it can take a week to get the settlement payment amount. I am ready to pay now and feel like this is a tactic to get more money out of me or to make it more difficult to get out of the situation I am Im. I have not been served a summons or any documentation from TIAA, XXXX, or XXXX and XXXX XXXX, in regards to the status of my mortgage.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did not state my rights about why I am being held liable for a {$1000.00} scam. All bank of america told me is that they deny my claim because they found " no bank error ''. In which I never told them there was a bank error so I am confused as to why they and how they conducted their research into this case by looking for " bank errors ''. They never called me or emailed me in order to get further information about what happened during my scam encounter nor did they follow up on what happened. They advised that " I send money to family and friends '' which is ridiculous because I should be able to trust my bank to protect me from scams and fraud that are not my own cause. 
I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a XXXX  and huge fraudster/scammer. He is in XXXX with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with XXXX  and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX  as well as a ticket on XXXX The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party including credit bureaus. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, the account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2023-12-09
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. (TX)

To XXXX XXXX EXPERIAN To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. XXXX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, XXXX XXXX
Consumer complaint received 2023-12-09
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. (CT)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (DE)

The debt was opened on XX/XX/XXXX. I put in a dispute on XX/XX/XXXX. The account was charged off. {$1900.00} written off. {$2300.00} past due as of XX/XX/XXXX. 

My dispute is this isn't me. My name is common and also I have been accused of my sister and fathers debt because we have similar and the same names. I don't believe that this is their debt but it has happened to me. This is not my debt. I don't use PNC bank. Please see about this
Consumer complaint received 2023-04-16
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: BARCLAYS BANK DELAWARE (CA)

In accordance with fair Credit Reporting act BARCLAYS account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-09
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. (OH)

XXXX XXXX XXXXXX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (MA)

on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. 

Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. 

On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. 

I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. 

I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. 

The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). 

I am at a loss and have some frustration.
Consumer complaint received 2023-12-09
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I sent dispute letters to XXXX, XXXX XXXX and Equifax on XX/XX/ for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed immediately.
Consumer complaint received 2024-04-03
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Consumer complaint received 2015-05-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Under a recent direct of all three credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
Consumer complaint received 2023-08-15
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. (NC)

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. 

1. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 2. Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 3. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this accountXXXX Account Number XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurateXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.XXXX XXXX Account NumbeXXXX XXXX XXXX Validate/inaccurate reported late payments. 8. I never filed a bankruptcy. It is not on XXXX Transunion XXXX XXXX XXXX XXXX XXXX was the furnisher of bankruptcy information for Transunion until XXXX XXXX XXXX XXXX XXXX discharged, filed XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.