davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ENTERPRISE FINANCIAL SERVICES CORP (NM)

We identified fraud charges on Saturday XX/XX/2023 and called to identify and stopped the one card. We went to the branch in XXXX XXXX and was told since we identified the charges would be stopped and reversed and not posted. After we left we still had charges on the card that was deactivated and requested to freeze. Since then I had to identify other charges on another card that WAS NOT TOLD TO ME BY THE BANK ( XXXX XXXX ) or when I called the toll free number. We turned in the card and DID NOT request replacements. We still have the charges from XXXX XXXX, XXXX, and Alien XXXX Holsters that we asked 4 different Enterprise employees to stop ALONG with 2 calls to the fraud department AND response to text it was FRAUD charges. SO for the past 6 days we are now in negative balance and STILL going back and forth with call center and the XXXX XXXX NM branch. ALL of these charges when googled or bing search will reveal this. The call center person XXXX if I recall correctly is very nice and helpful the branch in XXXX XXXX NM IS NOT. They seem to lose paperwork that I have to go back to sign same forms and what is told to me by the XXXX XXXX and XXXX XXXX WAS NOT TRUE.
Consumer complaint received 2023-09-26
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. (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/XXXX SPS Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas  XXXX # XXXX Per your letter dated XX/XX/XXXX, the enclose statements is my reply. Pursuant to RESPA The wording in this loan document states that the escrow will be the primary and only source of information that directs actions of this mortgage escrow. Which means the RESPA can not give you Lender the right to collect a two-month escrow cushion. The Texas Home Equity Security Instrument dated signed on XX/XX/XXXX Section Funds for Taxes and Insurance does not grant you Lender the right to collect an escrow cushion. And also states that Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. The current Escrow shortage balance is {$13000.00}. And as directed by the loan documentation section XXXX Funds for Taxes and Insurance the escrow payment will be paid in XXXX equal payments of {$1100.00}. Starting with monthly mortgage payments beginning XX/XX/XXXX which will include the following payments. 1 ) Principle & Interest payments plus 2 ) Escrow payment XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/2024, I have discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, Experian, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX I have sent notice to XXXX XXXX to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The balance is reported inaccurate, furthermore any transactional information should not be reflected on my report.
Consumer complaint received 2023-11-01
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. (LA)

I have unauthorized inquires to my credit report. I was never made aware about these fraudulent inquiries. These inquires are a result of identity theft and they must be removed no later than four business days as per 15 USC 1681 c-2
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. Please delete this account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XXXX, XXXX and XXXX of XXXX my monthly mortgage payment increased from {$XXXX} to {$XXXX} as a result of property insurance that was added to my escrow account. 

In XXXX of XXXX, I made of a payment of {$XXXX} to be applied to my monthly payments ( principal and interest ) as follows : {$XXXX} + {$XXXX} late fee for the months of XXXX, XXXX, XXXX and XXXX. 

In XXXX of XXXX, after I learned that only {$XXXX} had been applied to my principal and interest and that {$XXXX had been used to pay for fees, I made a verbal request via the phone to have my payments applied as described above. I also learned that {$XXXX} was also charged in fees. 

In XXXX of XXXX, I learned that my request had not been granted and when I reached out to my mortgage servicer, they indicated that I was obligated to pay for the fees assessed and was offered the fax number for the customer research department. 
I also learned that despite my ongoing payments, my account was still underpaid by {$XXXX, that the bank was holding {$XXXX} of my funds in a hold ( suspense ) and that I was still carrying a balance of {$XXXX} in uncollected fees which breakdown into {$1900.00} attorney fees from XX/XX/XXXX, {$XXXX} fee from XX/XX/XXXX for property inspection and {$XXXX} late fee from XXXX.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report with transunion that are inaccurate an needs to be removed from my credit report. please looking at all the errors included this needs to be corrected. all information is listed that is inaccurate an invalid please delete asap.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-26
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. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (LA)

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2023-09-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

Paypal advertises a XXXX transfer limit on cryptocurrencies to external wallets. In practice, they are limiting this amount by an unknown and arbitrary number unless customers elect to pay them extra money to convert their cryptocurrency into USD. This amount decreased with each transfer attempt so without knowing the limit a customer can not accurately guess what it is. Called about this issue and customer service suggested I wait 3 days for the system to reset to attempt again with no guarantee of success of transfer or pay Paypal to convert the cryptocurrency to USD. This is false advertising and unlawfully restricting customers from their funds en masse.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accountInstructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation
Consumer complaint received 2023-09-26
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: T.S. Holdings (AL)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( IQ DATA INTERNATIONAL XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to IQ International, INC on behalf of XXXX XXXX ( XXXX  ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to XXXX reads {$1600.00}. 

( Proof has been included below )
Consumer complaint received 2024-01-09
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. (CA)

EQUIFAX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If EQUIFAX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. EQUIFAX XXXX File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
I will be filling out Treasury Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
EQUIFAX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Equifax XXXX ( the Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the XXXX  and XXXX  Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Operations
Consumer complaint received 2023-09-26
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. (VA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX