davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
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: General Motors Financial Company, Inc. (PA)

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to GM FINANCIAL through my open end credit plan Pursuant to 15 USC 1602 ( g ). GM FINANCIAL then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) GM FINANCIAL has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to GM FINANCIAL to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. GM FINANCIALhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). GM FINANCIAL has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OH)

Between mid-XX/XX/XXXX and XXXX 2017, hackers gained unauthorized access to certain files at Equifax , Inc . 

Equifax announced this security breach on XXXX XXXX, 2017. 

I went to the website Equifax set up to address this issue, equifaxsecurity2017.com, and once I entered my last name and partial Social Security number, I received this message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have taken action to place an initial 90 day fraud alert with Equifax that is supposed to also go to XXXX  and XXXX. 

While I understand that this event was not anticipated by Equifax, I feel that Equifax did not take strong enough precautions to protect my personally identifying information. My name, social security number, birth date, address, and possibly driver 's license number and credit card numbers, could be in the hands of people who could sell it. I am concerned about potential identity theft and I also feel like Equifax should have notified the public sooner, particularly those individuals affected.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (IL)

Timely payments on this account have always been a priority for me, ensuring they are never past due. I'm unsure why there are mentions of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (UT)

I have an impound account with my mortgage, Security National Mortgage Loan Servicing department. The loan servicer is not part of Security National. 
All money for my homeowner 's insurance had already been collected and was due by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from the mortgage servicer, which read, " Our records show your hazard insurance is expiring, and we do not have evidence that you obtained new coverage ''. ( it had ALREADY expired by then because they didn't pay it and there was no " new '' coverage -- it was the same coverage ). 
On XX/XX/XXXX, I decided to switch to a new homeowners insurance company ( since the servicer for Security National Morgage had not paid the bill ). The policy went into effect that day. 
On XX/XX/XXXX, I received a letter from the servicer which indicated : " On XX/XX/XXXX, we called XXXX XXXX XXXX  XXXX XXXX XXXX in an attempt to obtain your homeowner 's insurance renewal policy information. We were unable to speak with a representative or leave a voicemail ''. So, they called a NATIONAL company days before the policy is due to pay, and no one answered the phone? Why did no one call me? 
I'm still receiving letters because " I did not have insurance from XX/XX/XXXX to XX/XX/XXXX, '' and they will be charging me " an estimated {$94.00} ''. Why did the loan servicer not pay the homeowners insurance we had already set up with the money they had ALREADY collected? At that point in time, it was the exact same policy as years before. Nothing had changed. If there was something they needed, why did no one reach out to me? Their decisions not to pay my homeowners insurance could have cost me extreme financial hardship had an insurance event happen during this time. They are trying to charge me for the day of XX/XX/XXXX, even though their correspondence shows that the new policy took place on XX/XX/XXXX. This is an apparent attempt to extort money, even though the loan servicer was already in control of my insurance premium and my insurer should have paid. The servicing company is still threatening to charge me. I have recently requested that they cancel my impound account for my insurance, as I feel they are incapable of doing their job and swindling unsuspecting customers. There was NO reason they could not have paid my prior insurer XXXX which was the insurer they already had on file ( same as the prior year ). If they desired some documentation they had no received, there is no reason they could not reach out to me directly and request it BEFORE the expiration.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have alleged child support collections appearing on my credit report that should not be on my credit report at all. I addressed this with XXXX and XXXX and they have properly removed this account. Experian for whatever reason has not. In my research of this Child Support item I noticed that the law does not allow for this type of account to be listed on a credit reports at all. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports under Section 4 subsection C ( Listed below and Attached in documents ) ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

To whom it may concern, There are unathorized inquiries on my credit report. These are inquiries that I did not make, and I did not go to these companies and apply for anything. Someone stolen my identity, and applied for these things. Please remove these inquiries. 

XXXX XXXX XXXX Inquiry : XX/XX/2020
Consumer complaint received 2021-05-21
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. (PA)

I have tried several times to contact Equifax. Either I get the general customer service and or they transfer me and I am asked questions but never get to an agent. I have spent an hour trying to get an agent and when they finally picked and I expressed my concern about their automated system they hung up on me. Her name was XXXX ( probably not her real name ). 

Also, I have disputed this information online.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

This is a formal complaint against Conn 's XXXX Inc. located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX Inc. has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have three XXXXXXXX XXXX  checking accounts that have continued to show up on my credit report as collection accounts. These accounts are supposedly from XXXX & XXXX and they all show to be checking accounts, which makes zero sense, as I never had more than one personal checking account with this bank. The only time a second & even third account existed was my Business Checking account. That said, XXXX XXXX is legally restricted from reporting business accounts as collection accounts on my personal credit report, yet it appears they have done so. I have asked for my account statements on all three accounts more than once and was never furnished anything. Due to not receiving the information that I am legally entitled to, I contacted XXXX XXXX to see if I could have this removed by just agreeing to pay each collection in full and I was explicitly told that they would remove these collection accounts if paid in full and that they would send the request immediately after the balances were cleared. Therefore, I went to the nearest XXXXXXXX XXXX and purchased three separate money orders and was told that the branch had to mail all 3 money orders to the collection dept in XXXX XXXX because the bank branch couldnt process payments for collection accounts for some reason. Three weeks pass and each item is still listed - each with the full balance still showing as unpaid & delinquent. I called the collection dept and they said they never received anything and then proceeded to make me feel as if I was lying about the money orders. Two days later I get a voicemail saying they located my money order payments and that they had already submitted for the accounts to be removed from all three bureaus. Unfortunately, they didnt do what was promised - all they did was list the balance as Paid Collection but they never removed the accounts entirely. I wouldnt have wasted money paying collection accounts had I known they wouldnt remove the accounts entirely because paid collections do no good for any consumers credit score. I have contacted the collections dept several times and no one will ever call me back. These accounts have undoubtedly made my overall cost or credit much higher than it would have been otherwise. I have absolutely nothing else that is negative on my report except for XXXX XXXX 

**On the attached screenshots, you can clearly see that not only is XXXX XXXX still reporting these accounts as collections - but they are also still reporting each account as derogatory! 

**I also attached screenshots of the remainder of my credit file to represent the fact that Im not someone that just doesnt pay their bills. I have zero late payments ever and if XXXX XXXX would have done what they promised to do, then my score would be close to XXXX, but instead my score ranges from XXXX - XXXX. These accounts need to be removed IMMEDIATELY.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2024-03-26
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. (FL)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

COMENITY BANK/ EXPRESS Violated section 605B. Block of information resulting from identity theft. 
I sent off a complete fraud packet to XXXX credit reporting agency as well as XXXX XXXX and XXXX. The fraud packet was complete and met the requirements of section 605B of the fair debt collection practices act. The above referenced bank received a full investigation packet including the Federal Trade Commission affidavit and the identity theft affidavit completed and notarized from XXXX. 

Comenity Bank Failed to conduct a proper investigation of the fraudulent accusations submitted as a dispute to XXXX. Upon notifying Comenity bank about the fraudulent activity and the investigation that was conducted by XXXX, the bank stated to me that they did not receive The packet from XXXX and that they also wouldnt except the federal universal identity theft affidavit if it was presented. 

Since the company did not have or possess the complete packet which included all of the information pertaining to the fraud that was committed. This company couldve never conducted a proper investigation to conclude that this account is in fact mine. 

COMENITY BANK/ EXPRESS Violated section 623. Responsibilities of furnishers of information to consumer reporting agencies.

( 1 ) Prohibition This section clearly states, reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

Comenity Bank was notified by the consumer and was also notified by XXXX credit reporting agency of the fraud and was provided documentation that they were reluctant to review because it wasnt on there personal paperwork. Due to lack of a proper investigation this company felt the right to still validate the debt and caused the consumer more irreparable harm as well as punitive damages in addition to the other fraud damages. 

The company was given knowledge of these errors and the potential fraud that caused it and yet they still felt the need to report this information to the credit report without a proper investigation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I had been a victim of fraud and someone started a new phone line with XXXX in my name. So, I froze all my accounts. Equifax can not unfreeze my account, I offered to verify information and needed this to be a simple process. They are saying it will take XXXX business days AFTER they receive my verification documents and people can not purchase and do things if it's this difficult to get access to your own credit. I called and tried to get access or determine why I could not access my previously set up account and they could not provide any information. Also, they disabled my online account because I did not use it enough. Sorry I am not applying for credit every month, but it is not a website I would visit unless I need to access my credit. They did not notify me they were disabling my account.
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Servicer, Freedom Mortgage Corporation, approached Borrower and refinanced FHA loan with intent to entrap Borrower into loan with permanent mortgage insurance premium. Property, at time of refinance in 2016, had a value that would have allowed for conventional refinance without mortgage insurance as result of loan to value ( LTV ) being below the threshold for loans that require mortgage insurance. Freedom Mortgage did not properly perform an appraisal on property during refinance because it was in their interest to lock and maintain loans with mortgage insurance.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I requested dispute to XXXX XXXX Experian due to unknown account/erroneous item listed on my credit report as XXXX XXXX original creditor is XXXX XXXX XXXX XXXX in the amount of {$5300.00}. 

XXXX and XXXX did remove the erroneous item and Experian did not. I sent again a dispute notice to Experian two additional times. They never responded back. I called on XX/XX/XXXXXXXX to request method of verification and detailed information on how they reached their initial verified results. I was told it would be sent. I received a generic email of Experian dispute process XX/XX/XXXXXXXX  at XXXX ( attached ). 

I called back again XX/XX/XXXX and spoke with XXXX in the fraud department at XXXX and told to him these exact words. " Please provide me with all of the information you used for your investigation as required by FCRA 611 ( a ) ( 7 ) regarding XXXX XXXX or have the item removed. 

XXXX stated he can not send furnish information used for their investigation to a consumer. I did inform XXXX by law he can so and if can not assist to please send me to a supervisor. XXXX with Experian has refused me the law under statute FCRA 611 ( a ) ( 7 ) and refused me his supervisor XXXX. 

XXXX did confirm these were the dispute dates received : XX/XX/XXXX resolution was XX/XX/XXXX. 
XX/XX/XXXX resolution was XX/XX/XXXX. 

Since he could not furnish the information used in the investigation I did advise him to write it down as a dispute because I wanted it noted. 

I then called back again XX/XX/XXXX at XXXX to request a supervisor where I was placed on a 30 minute hold and disconnected.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I mailed XXXX XXXX XXXX a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded XXXX XXXX XXXX to clear out my debt to XXXX dollars to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (NC)

I have received a copy of my credit report and it shows company ( Original Creditor : GMAC ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.