davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (NM)

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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today I was in XXXX I had my BOA debit card and my XXXX card I put it in my sweatpants pocket and I lost them. I tried to XXXX my balance to my XXXX account and it didnt go through so it went and pulled the cash out of my BOA account with XXXX XXXX {$600.00} locked the card, called BOA WHERE I WAS ACCUSED OF FRAUD THEY LOCKED MY ENTIRE ACCOUNT AND INSIST THAT I GO I TO A BRANCH
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Re : Experian Credit Bureau - XXXX XXXX Credit Report. 
On Wednesday, XX/XX/, I checked my XXXX XXXX Credit Report to discover Experian has NOT updated my XXXX XXXX XXXX report to reflect my current balances on my credit accounts. Without submitting the account number ( s ). One account in the amount of {$39.00} was paid on Thursday, XX/XX/, the account should relect a {$0.00} balance As of Wednesday, XX/XX/, my account continues to show a balance of {$39.00}. 
On another account, I received a credit limit increase but has not been reflected. 
I attempted to contact an Experian Representative to discuss the issue, but the Experian phone : XXXX XXXX XXXX rang busy 3 times, and I will NOT waste my time calling back. 
Experian has for what ever reason, has NOT updated my XXXX XXXX Credit Report powered by Experian, and I want it Corrected!!!!!!
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

this is a on going problem since my car was repo back in XXXX. I have many problems one I regain my car but still have a charge off on my credit making it hard for me to sell so next problem they moved my loan to a different department making it that I have to call in my payments lines are always on hold and once I do a phone payment I don't get a recipe I don't like that so to track my payments I started doing online payments where my bank mail them the payment they are not posting the payments missing payment the checks not being cashed making me fall behind there was 3 payments not posted and I had the bank on the phone with me to prove one of the check was cashed but not put to my payments 3 checks never got cash and now it takes my bank 30 days to track the checks down and cancel them for me to get my money back 3 weeks ago I did a bills payment for {$1500.00} no recipe not posted then another one for {$500.00} no recipe not posted this is crazy and they the ruddiest people to talk to understand they not getting my car and they need to get it that people can do online payments so I can see the transacton and posted payment with a recipe
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

old accounts have been previously disputed that are not accurate and they have still been appearing on my credit report along with different old address that needs to be removed because none of them along with workplaces are not accurate, my name is not accurately spelt either i need those to be deleted asap!
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (IL)

My Citibank checking account was hacked in early XXXX of 2023. Three fraudulent checks were deposited to the account by an unknown person on XX/XX/XXXX. Four Zelle payments were paid by an unknown person on XX/XX/XXXX. I found out on XX/XX/XXXX that this had happened when I tried to access the account on my phone and my computer, and it had disappeared from the list of accounts. All of the checks bounced resulting in an overdraft of the account. The bank took over {$3000.00} from my savings to cover it. I was not aware this was going on until the damage had been done. I was not involved in any of the transactions nor do I know who did this. I have just requested my fourth investigation because I don't know what they did during the previous three investigations. I was told the information was encrypted for my protection. I have reported this to the police, the Attorney General of Illinois, and frozen my credit bureau accounts. I am very frustrated by customer service, and angry about being made to feel like a criminal instead of a victim. I would like the funds restored to my account. This has been going on for almost 4 months. I have talked to over 30 people in customer service, have been to the bank numerous times, and have a stack of letters and documents. i don't know where to turn
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (AR)

In XXXXXXXX XXXX XXXX, I completed an application and paid PHH {$100.00} to remove my PMI from my mortgage with PHH Mortgage. As part of the process, I had to also pay for an appraisal of my home to determine the value and if I was eligible to have my PMI removed. After not hearing results from PHH Mortgage I find out my mortgage was being transferred to XXXXXXXX XXXX. I assumed this process was going to be transferred as part of the transition. I continued to wait and called XXXXXXXX XXXX in XXXX XXXX XXXX asking about the PMI removal. I was informed by XXXXXXXX XXXX customer service that it was not transferred to my new account and that I would need to start the process over again, including paying for another appraisal. I am seeing reimbursement of my {$100.00} as well as the cost of having my home appraised from PHH due to the company failing to complete the process prior to selling my loan.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

I am writing to request legal action against Shellpoint Mortgage Servicing for their unlawful and discriminatory practices regarding force-placed insurance. Force-placed insurance is a type of insurance that lenders can purchase on behalf of borrowers who fail to maintain adequate coverage on their property. However, I have proof that I have maintained sufficient insurance coverage on my property located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX since XXXX 

Despite providing the required documentation for each insurance policy for my property, Shellpoint has repeatedly ignored my evidence and phone calls from my insurance agent, XXXX XXXX of The XXXX XXXX. Shellpoint has continued to charge me for their own lender-placed insurance policy, which is much more expensive and provides less coverage than my own policy. This is a violation of federal and state laws, such as the Real Estate Settlement Procedures Act ( RESPA ), the Consumer Financial Protection Act ( CFPA ), and the Florida Insurance Code. 

I am not the only victim of Shellpoint 's abusive and fraudulent behavior. Many other customers of Shellpoint have reported similar experiences of harassment and discrimination. Shellpoint 's actions have caused me and others financial harm, emotional distress, and loss of dignity. 

I urge you to sue Shellpoint on my behalf and on behalf of other customers who have suffered from their illegal and unethical conduct. I have attached copies of my insurance policies, payment receipts, and correspondence with Shellpoint as evidence of their wrongdoing since they start servicing our loan. I hope you can help me and others get justice and compensation for the damages we have endured. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (SC)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report list all those negative accounts from your Equifax credit reports.
Consumer complaint received 2023-12-31
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)

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n accordance with 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 account number : XXXX {$670.00} XXXX XXXXXXXX account XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} dept of education/XXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I havright 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. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-30
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Date XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-26
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. (NC)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-01-02
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. (NC)

XXXX has caused me to suffer harm by invasion of consumer privacy harm to my reputation and physically and economic by listing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 didn't authorize and I don't consent to my sensitive information to be shared with out permissible purpose
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX Experian, XXXX, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. Experian, XXXX, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that Experian, XXXX, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NV)

Zions Debt Holding has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my report. Previously i was not given a chance to dispute the account which is a violation of 12 cfr 1006.34 ( c ) ( 4 ) ( I ). Zions Debt Holding is also violating my rights by using false and misleading misrepresentation and deceptive means.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

Company : XXXX XXXX XXXX is reporting a collection in the amount of {$5600.00} reported on XXXX never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Consumer complaint received 2024-05-11
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: ProCollect, Inc. (TX)

I, XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Pro Collect. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : XXXX. Pro Collect hasnt properly investigated my disputes. Pro Collect has been a huge problem with no helping me in anyway. XXXX states they have my account open when Im fact it should closed. 
XXXX says the account is past due when it shouldnt be reporting past due. I submitted a dispute back in XXXX, for XXXX XXXX XXXX they have yet to look at my dispute. Its been in dispute status since XX/XX/year>. The payment history is also incorrect and invalid. On all XXXX credit bureaus. They are failing to comply & conduct a proper investigation on all three of the credit bureaus. 
XXXX. Pro-Collect should be sending me a purchase agreement between me & them regarding that I should pay them. If they cant provide that information they cant collect they are hurting my credit report. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, or secure a job for my child. 
I have attempted to resolve this matter directly with Pro Collect, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. 
This debt collector has not given the proper documentation, for this alleged debt so its fraudulent and illegal to collect on a debt if you cant even give me all the information required. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.