davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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. (TN)

Equifax Information Service are knowingly reporting wrong information under my social security < they have been provided numerous documents to help them to correct their file but have done nothing, still as of today XX/XX/2021 are still reporting inaccurately and should be held liable for my damages.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened Bank of America XXXX XXXX XXXX checking account on XX/XX/2022. Confirmation number is XXXX. Terms of the promotion : {$20000.00} deposit in 30 days and maintain balance for 90 days to receive {$500.00} opening bonus. Deposit was made on XX/XX/2022. The bonus never arrived. Called customer service who logged the ticket with the promise to contact back with resolution. After not hearing back for several weeks another contact via chat stated that I dont qualify.
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Due to poor customer service at Mohela, I'm unable to have my application for XXXX processed. In XXXX or XXXX XXXX  XXXX  I submitted an application for XXXX to XXXX XXXX. I received a letter in XXXXXXXX XXXX XXXX  informing me that my application was received and would be sent to Mohela for further processing. I then spent the last several months trying to get in touch with someone at Mohela. However you can't send them a message without an account, so I created an account and sent a message. Unfortunately, I never received a response to my issue, only a generic response about the XXXX program. I also tried for months to contact Mohela by phone, but was never able to wait the time required to speak to their customer service representatives. I finally was able to speak with someone today. They informed me that my application was approved, and that they were waiting on my loans to transfer. I was able to confirm with my loan servicer, XXXX, that a request to have my loans transferred to Mohela was never received. I asked XXXX if I could have the funds transferred, and I was informed only Mohela could do so. I told Mohela today that XXXX never received the request for transfer of my funds. I asked Mohela to re-submit the request. After an hour plus wait, they informed me that they could not. I asked to speak to a supervisor and after an hour and a half of waiting, have still not been able to speak to anyone. I do not understand why they can not re-submit a request for the transfer, am at a loss as to how to resolve the issue, and am deeply frustrated with their poor customer service.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

My credit report has not been available to view for more than three years. I have called the credit bureau, and every time a representative from another country answers. The agent is rude and advises me that I have requested a report too many times. I proceeded to tell the rep that I have not requested a report and have not been able to receive a report in years. The agent does nothing and hangs up on me. The happens every time I call. I have even submitted proof of identity on the website, the website eventually kicks me out without a resolution. I need help accessing and unblocking my credit report for use. The credit report is with Equifax.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

{$1100.00} XXXX XXXX XXXX Current Last Updated : XXXX XXXX, 2023 Account Information Account Status Open Account Type Collection Account Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I didnt not agree for my personal information to be solicited or sold to this collector Nor did I agree to this collector to report to my credit report using my personal information This is identity theft fraud as I did not hold any debt with this collection agency This form of identity theft and unlawful credit reporting is keeping me from buy a home and my ability to secure personal loans and or credit supporting my small businesses with business loans and or credit
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (MI)

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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TX)

Used my Bluebird Debit card by Amex as a deposit for incidentals involving an overnight stay at XXXX XXXX XXXX on XX/XX/year> Checked out without incident on XX/XX/year>. From the Day of checkout to the current date this is being written ( XX/XX/year> ) they are still holding my funds on my card, without explanation. I have uploaded documentation about the transaction at least XXXX times, and still no release or answer. Blue bird is doing this on purpose to ride the interest on this transaction. What they are doing is systematic and on purpose on a grand scale as there are post from many other users on XXXX, XXXX and XXXX, that have similar stories of these artificial holds. This can not be some sort of XXXX coincidence, this is a pattern of illegality that needs to be investigated. Research this topic online and on XXXX XXXX and you will see exactly what I am telling you.
Consumer complaint received 2022-12-07
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: Creditors Bureau Associates (GA)

In accordance with Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

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

15 UCS 1666B As a creditor you may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I deposited a check in the amount of {$5200.00} ; I asked when the check will clear and was told by the teller funds would be available on XX/XX/XXXX @ XXXX. I received an email on XX/XX/XXXX stating that funds wouldn't be available until XX/XX/XXXX. I called customer service ( 3 ) times requesting the hold on the funds be released ; the first person responded with a wise statement, " maybe you should use direct deposit next time. '' The next representative made a XXXX available for me ; he refused to release the funds due to the clearinghouse needing more time. He also insinuated that the check might have been tampered with, and/or activity in my checking account was usual as reasons why the funds were on hold.
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-03-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Central Service Bureau, Inc. (TX)

The collection company said that a locator was calling to locate me, I attempted to provide my current address. They called my place of employment not only my direct number, but also our legal head quarters and told them there was a claim against me with our litigation attorney. They refused to mail me anything or update my contact information. They refused to stop calling my place of employment. They contacted my Mother and Father. They told me that a suit is being filed and there is a pending claim.
Consumer complaint received 2024-03-06
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. (WV)

I sent 2 dispute letters to Experian due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within XXXX  days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over XXXX  days and have done nothing.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information.

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-11-30
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 shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], 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 is 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.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-11-30
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (TX)

{$2500.00} Open balance XXXX XXXX XXXX  Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY.

Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested Using 15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my credit report. I demand the negative accounts be removed from my account. 

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have set up payments to pay my debt in 3 monthly payments of XXXX set to be automatically taken out of my banking account on the XXXX of each month starting in XXXX. I have made 2 monthly payments, and have to documents showing the paid amounts. I checked my credit report and it shows the full amount with no payments received. This is false and I have a documents to show it.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NV)

For over three years, two of my mortgage loans have been service by Newrez, LLC. I have always purchased hazard insurance on my own and have paid for it out of pocket. Three and a half years ago, Newrez told me that they did not receive the insurance information for my mortgage on XXXX XXXX in XXXX, CA. ( Loan # XXXX ) They acknowledged that they DID receive the information on my loan for XXXX XXXX, but said they did not receive it for XXXX XXXX and they placed forced insurance on the property. The same agent that sent information on the XXXX loan sent it for XXXX as well. The agent is the same and the coverage is identical. I sent proof of coverage and my agent sent the same thing. Still, they told me that they didn't receive it. THIS WENT ON FOR THREE YEARS! 
On XX/XX/scrub> 2024, my agent suggested, in an email to me which I have attached, that " we should just start having tape recorded conference calls '' so that we could just send them a copy later. She also said " Your lender as you know is difficult ''. 
Finally, early in 2024, I got hold of XXXX XXXX in their service department at Newrez who told me that they got enough information to stop the lender forced insurance and they sent me a check for {$2400.00}. I tried to reach her to tell her that the company STILL OWES ME MORE THAN {$10000.00} for all of the time that they had forced insurance on my property and should not have. 
From that time on, no one will talk to me. I leave messages and receive no reply. 
THE MOST CURRENT NEWS is that Newrez has now placed forced insurance on my property at XXXX XXXX in XXXX. ( Loan # XXXX ). They make similar claims, that they haven't received information from either me or my agent, both of whom have sent it. They have now placed forced insurance on that loan even though they were sent the same coverage as XXXX form the same agent. 
I have always maintained insurance coverage on both loans and have not had any issues with other mortgage companies or servicing companies like Newrez. I suspect that they make a lot of money preying on their loan customers and charging them for insurance that is not needed. PLEASE HELP ME RESOLVE THIS ISSUE, both on the XXXX XXXX location and XXXX XXXX!
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I was contacted by phone regarding an alleged debt of {$1500.00}, threatening collection if not paid. Recognizing the creditor 's name, I partially believed the claim, but to ensure accuracy, I promptly sent a verification letter on XX/XX/XXXX, seeking clarification. Regrettably, I did not document the dispatch of this letter. However, I meticulously recorded a subsequent letter sent on XX/XX/XXXX, adhering to FCRA regulations, requesting specific verification details. Despite this, no response was received. It wasn't until my credit was impacted that I discovered the actual amount owed was {$800.00} less than claimed. Had I been aware of this discrepancy earlier, I would have been able to rectify the situation promptly. Given the lack of proper verification and the discrepancy in the amount owed, I urge the removal of this collection from my account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.