davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I discovered a scam which affected my direct deposit information at my employer. Received an email from XXXX on my work email, notifying me that my direct deposit information had been updated. I check my XXXX account notice that a secondary bank account ( Bank acct # XXXX, Rounting # XXXX and changes were made from IP Address ) was added and said that 95 % of my net pay would be deposited and whatever was remaining would go to my personal bank account. I contacted my employers HR dept and immediately made chances to delete that unknown account so that when I got paid all funds would go to my personal bank account. I discovered that the Routing # for the fake account belongs to The XXXXXXXX XXXX I tried to contact them at phone number XXXX ( address in XXXX, DE ) but was told that the account belongs to PayPal Cash Plus and would have to contact them, that they only provided cards to PayPal. I contact PayPal Cash Plus ( phone number XXXX ) and was given the run around, placed on hold for 30 minutes+ and even hung up on until I spoke with XXXX XXXX some customer complaint department and she informed me that she is unable to pull an account without an email and that the account is linked to a Direct Deposit account and theres nothing they can do but " investigate ''. SHe would not give any details as to whom the account belongs too or anything. I asked for details of this investigation and if I can be informed of the process and they said no. I've had all my devices searched for viruses and malware, including my phone and it all came back clean.
Consumer complaint received 2023-05-15
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX 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 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 2023-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (PA)

Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. Thank you.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

Mortgage servicer, PNC, has listed on my escrow account, three homeowner 's ( hazard ) policies listed on my mortgage account. The only valid policy, has an expiration date of XXXX/XXXX/XXXX and is to be paid via renewal through escrow payment ; however, mortgage servicer, PNC, has this to be paid via one of the other three policies listed on my account on XXXX/XXXX/XXXX. In addition, today, XXXX/XXXX/XXXX, I note that valid hazard policy with expiration of XXXX/XXXX/XXXX, has been paid via my credit card, and not through escrow as was established at time of loan origination.
Consumer complaint received 2024-02-29
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. (MN)

Recently, I did an investigation on my credit report which caused XXXX  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 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

As of XXXX I made a request to have a security freeze on my profile and I have not received a PIN as requested. I want to have my profile to have a security freeze. I do not consent to have my profile open to the public. This is a stall tactic not to comply with my request.
Consumer complaint received 2023-05-15
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. (VA)

Dear Experian, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA.

I am requesting that you remove this collection from my credit report immediately. Please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (HI)

Earlier this month, my significant other received an offer from Quicken loans that he was pre-qualified to refinance the loan on the condo we own jointly. I did not receive a similar offer. I am primary on the title, mortgage, and insurance for the condo. 

I contacted Quicken loans for an explanation why the primary owner of the condo ( me ) was not made the offer, but the non-primary was. Over a series of 5 phone calls between XX/XX/XXXX and XX/XX/XXXX, I was told the data was acquired from public records through a third party. When repeatedly asking for the criteria of who receives solicitations, I was denied any actual information, and presented with a ever changing list of possible reasons, none of which were accurate. First it may have ben title info, but I pointed out I am primary on title. Then I was told it may have been mortgage, but I am primary there as well. Then I was told it may be DMV ; I pointed out that my driver 's license is also pointing to this condo address. I was told it may be a credit report ; I told them my credit rating is routinely higher than my boyfriend 's. Then it may be income ; but we have commensurate incomes, with me having the higher income the majority of the last 20 years. 

My understanding from your website is that it is illegal to " discourage you from applying for credit. '' But if lending solicitations are not made to females with equal financial qualifications, isn't that de facto discouragement? 

I have been denied any specific information about why I was not solicited, other than my info was not in the data purchased from the third party. Quicken would provide no specifics of the criteria used for solicitation -- just hypotheticals, none of which account for the disparate treatment. I have also been denied the opportunity to talk with Quicken 's legal department.
Consumer complaint received 2018-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate n reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-05-22
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. (GA)

Dear CFPB. I am writing to file a complaint against Equifax. Equifax is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to Equifax on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

The letter is formal notice that Equifax has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts within 15 days. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the USPS tracking showing a delivery receipt on XX/XX/23 to Equifax. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to Equifax on XX/XX/23 and tracking asking that these accounts be deleted due to Equifax not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below five accounts from my credit report with Equifax bearing my social security number. The five accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX please 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 2023-08-12
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. (IL)

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Consumer complaint received 2023-08-12
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. (NY)

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (RI)

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a XXXX of XXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under XXXX5 U.S. Code 1681.

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, AIDVANTAGE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. 

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for XXXX XXXX. There are over XXXX different names associated with my credit report. At least XXXX are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with. 

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

I am being reported by Caine and Weiner for an delinquent account that never was an collection. I paid the exact amount due in XX/XX/XXXX through the original Company ( XXXX XXXX  XXXX ) and I was credit reported by XXXX XXXX XXXX in XX/XX/XXXX for an amount that was MORE than what I originally owed and paid in full. Both companies have been awful with communication and didnt resolve anything within a timely manner. Its still on my credit right now and affected me negatively.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent letters on XX/XX/2022 to XXXX, Transunion, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (TN)

I have a complaint with Flagstar Mortgage company and their staff. On Friday XX/XX/2023 I reached out to Flagstar Mortgage who currently services my home mortgage and asked if there was any short term assistance with getting my mortgage caught up as at the time it was only a few days late ( not more than 30 days ). One of the representatives from Flagstar I spoke with presented a few options and one of them was a forbearance due to a weather event in my area ( XXXX, TN ) which would allow me to catch up the payment and I said this would definitely help. I agreed to this but I should have known something was suspicious because the agent told me I would still receive phone calls from Flagstar about my mortgage payments being due. 
Fast forward to XX/XX/XXXX, XXXX received a letter from Flagstar stating I missed my mortgage payment for XXXX and I need to enroll in a program to stop potential foreclosure. I called them back immediately and after speaking to another agent I found out that the forbearance was applied from XXXX to XXXX already ( while I was still current on the loan ) and the offer from the previous agent was not a real option and I had to enter into a agreement to pay a lot more over three months to get the mortgage caught up. How could a company be so unprofessional- I wouldve been fine if I was told the truth back in XXXX, but because of this companys incompetence, I know will have a late payment posted on my credit report and Im in a bigger bind. I will pass the word to friends and family to stay far away from Flagstar
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

experian 's upload/dispute system does not function ... .I could not reinvestigate XXXX items. 
XXXX, acct. XXXX ... .is claiming XX/XX/XXXX XXXX.IT IS XX/XX/XXXX. 
PLS DELETE ACCOUNT. 

XXXX XXXX .... IS A PAID ACCOUNT. 
THE CURRENT AND PREVIOUS PRESIDENT OF USA HAVE CREATED LEGISLATION FORGIVING STUDENT LOANS AND REDUCING PAYMENTS WITH ATTATCHED FORGIVENESS BECAUSE OF UNEQUAL UNFAIR TREATMENT OF PERSONS UNDER THE LAW ... ..WHY PENALIZE ME WITH CREDIT DAMAGE AFTER I HAVE PAID MY LOAN ... PLS DELETE ACCOUNT THAT HAS MULTIPLE INACCURACIES IN PYMT HISTORY.