davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 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 2022-11-25
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. (TX)

I've reached out to equifax and asked them to remove XXXX with account # XXXX, and XXXX XXXX XXXX  with account # XXXX that I did NOT give written permission for them to place on my equifax reports
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 An 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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

I, XXXX XXXX submit this complaint against U.S. Bank N.A. for wrongful foreclosure on my mother XXXX  XXXX XXXX . I had unsuccessfully attempted to pay the unpaid mortgage payments and set up an automatic draft payment. I was wrongfully denied. After I was denied the opportunity to cure the loan. I made a written qualifying request to U.S. Bank CEO by certified mail after four weeks I have yet to receive any response from this bank. My mother XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2020 this brought on a great deal of emotional stress and XXXX for my family and me. Now! Dealing with this wrongful foreclosure without any remorse from the bank has made this struggle unjustifiable. Being a senior myself, this unnecessary fight has taken a toll on both my mental and physical assessment of my body. The bank attorney-in-fact informed me to get a bondI took his advice after receiving my bond I filed it with the XXXX County Court Division , as well as submitted a copy to U.S. Bank. I was discriminated against for attempting to save my mothers estate. U.S. Bank failed to allow me the opportunity to cure the loan. I believe I was abused due to my age after several attempts to fix the loan thats when I realized I just became a victim of Elder Abuse for Financial.
Consumer complaint received 2023-11-06
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. (FL)

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2022-10-26
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NY)

I am, XXXX XXXX, submitting this complaint against XXXX XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX ( CLOSED ) DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.
Consumer complaint received 2022-10-25
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)

Their are two fraudulent inquiry 's in my credit report with Equifax from XXXX XXXX and XXXX. These inquiry i did not request or approve. Police report and dispute was file and no action has been taken to remove from credit report. Please assist with the removal of these two inquiry
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NJ)

IN accordance with the fair credit reporting act... The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 
Account Name ... ... XXXX XXXX XXXX Account Number .... XXXX XXXXXXXX... 
Account Name ... .. XXXX XXXXXXXX XXXX XXXXXXXX ... .. Account Number ... ... .. XXXX XXXXXXXX .... 
Account Name .... XXXX XXXX XXXX Account Number ... .... XXXX XXXXXXXX ... 
15 U.s.c 1681 section 602 A. States I have the right to privacy..

15 U.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions... 
15 U.s.c 1681 C. ( 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 crime with antedates the report by more than seven years. 
15 U.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.. I'm a natural person, i'm a living human being i have right under 15 u.s.c 1681. 
Experian is govern by 15 u.s.c 1681 and they have violated my right numerous of time.. 
I demand the accounts listed be remove asap.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 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 2024-04-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NORTHWEST BANCSHARES INC (PA)

I am writing to address a concerning incident that occurred recently regarding my account with Northwest Bank. I have been a loyal customer of Northwest for over 10 years and have maintained multiple accounts with your institution, as well as with other banks in the area. 

Approximately two years ago, I had both a checking and savings account with an individual who was my boyfriend at the time. When our relationship ended, he went to Northwest Bank and closed the accounts. I subsequently contacted Northwest to confirm the closure of these accounts and was assured that the only accounts remaining were those solely in my name. 

However, on XX/XX/year>, I discovered that {$470.00} had been transferred out of my savings account on XX/XX/year> without my authorization. Upon calling Northwest to inquire about this transaction, I was informed that another person was listed on the account and had transferred the funds into a separate account belonging solely to him. This revelation left me deeply confused and concerned, as I had been under the impression that I was the sole account holder after my ex-boyfriend closed the accounts. 

Furthermore, I am troubled by the fact that this individual was able to access and monitor my account without my knowledge for at least two years. This raises serious questions about the security and integrity of Northwest Bank 's account management procedures. 

To compound matters, I found the response from Northwest Bank representatives to be highly unsatisfactory. Not only were they unable to provide clear answers to my questions, but there was also a lack of consistency in their handling of the situation. At one point, I was told that the account would be closed, only to have this decision reversed the following day. 

The loss of {$470.00} is regrettable, but what concerns me more is the breach of trust and the apparent inadequacy of Northwest Bank 's security measures. As a long-standing customer, I expect and deserve better treatment from my financial institution. 

In light of these issues, I am requesting a thorough investigation into the mishandling of my account and the breach of security protocols. Additionally, I would appreciate prompt action to rectify the situation and ensure that similar incidents do not occur in the future.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I applied for XXXX XXXX XXXX XXXX ( XXXX ). I mailed my application to MOHELA and also uploaded my application via their online servicing portal. I received an email from them via their secure portal dated XXXX XXXX, 2022 stating that they would process my application within 10 business days and let me know if my application has been approved. After 10 business days passed and I hadnt heard from them, I sent them a message via their secure portal asking for a status update on XXXX XXXX, 2022. I received no response. I sent another message via their secure portal on XXXX XXXX, 2022 asking for a status update. To-date, I still have not received a response. I would like to know whether my application for XXXX has been approved.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

Someone opened an account at Umpqua Bank without my knowledge and got insufficient funds out ( {$50.00} ). Called the bank and talk to a representative and they told me that I would have to go to FTC.GOV which preferred me to you guys ( cfpd ).
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Consumer complaint received 2016-03-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (NY)

XXXX is having direct deposit problems, they blame Netspend and I can not access my money and Im having a big problem with my mortgage payments. XXXX or Netspend did not give any heads up on this problem
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (SC)

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2023-09-04
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. (IN)

I discovered in XX/XX/XXXX that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX pulled my Equifax, XXXX and XXXX credit reports on XX/XX/XXXX without my knowledge or consent in person, by phone or email. I further discovered that on the same day XX/XX/XXXX my personal credit information was submitted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/XXXX XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how his company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX