davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

My complaint is with XXXX XXXX XXXX XXXX XXXX with Mortgage and auto loan. 

In the annual credit review last XXXX, I can see that the mortgage balance has not been updated since XX/XX/2022. Also XXXX payments during the XXXX ACT were reported within 30 days. In XXXX of this year, I was a co-signer for a auto loan ; XXXX XXXXXXXX XXXX XXXX inquired about my credit on two occasions.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica ()

Direct Express ( Comerica Bank ) is causing me severe hardship. I have NOT been able access my social security benefits for 6 months because my prepaid card is unusable. 

I have been a cardholder for 8 years. Recently, the company requested ID verification AND I have submitted several documents that prove my identity. However, the issue is yet to be resolved. All documents that I submitted were certified by the XXXX XXXX, XXXX. 

Direct Express company representative ; XXXX XXXX XXXX XXXX XXXX ) was supposed to call me at XXXX EST today but she did not call until over an hour later. Unfortunately, I was unavailable to receive her call when she finally called. Subsequently, I sent her 3 emails but she has ignored them. I am unable to reach her by phone because her contact phone number ( XXXX ) is NOT functional. 

I and many senior citizens rely on our social security benefits for basic needs such as food and medication. Please can you assist me in resolving this matter?
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (NY)

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

In the results of your first investigation and subsequent reinvestigations, 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NC)

Before and since my scheduled home sale closing on XX/XX/XXXX, I have made repeated efforts to find out why I was charged {$6100.00} by LoanCare in interest aside from the unpaid balance on my conventional loan. I repeatedly emailed XXXX XXXX ( VP of Consumer Communications ) and XXXX XXXX ( Head of Compliance ) and my efforts to understand why I was charged this additional amount were completely ignored. I had a 30 year conventional loan - there should have been no charges incurred in early payoff. This company has been a never ending, unethical nightmare to deal with. This is the 3rd CFPB complaint I have had to file as none of my efforts in dealing with them directly have been successful. I want a valid explanation of this charge and if it was calculated and levied in error, I want a refund processed immediately.
Consumer complaint received 2023-06-03
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 XXXX : XX/XX/XXXX Reference # : XXXX ; 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
Consumer complaint received 2022-11-23
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. (LA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX 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 2017-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX XXXX had a total loss on a car that I purchased in XXXX the other company that was at fault XXXX auto pay them with the car was worth however Santander USA still says I owe over {$10000.00} at an interest rate of 17 % and they still charge me interest rate a daily interest rate as well a monthly payment of XXXX which I think is well over the federal law interest rate in Florida I tried to offer settlement because I can not still pay on the car do not have and at the time I was not working because of the car accident injuries they denied a settlement offer and it still charge me a daily interest rate FL from what I have paid and what the USA or have paid them in the car as well pay for. I was also infected by hurricane Irma, still consumer financial will not accept settlement and or no payment relief.
Consumer complaint received 2024-03-17
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: EQUIFAX, INC. (TX)

see attached I've recently checked my credit report and notice some inaccurate accounts reporting. 

After recently reviewing my credit report I noticed several inconsistencies regarding multiple accounts in the ( Date of Last Active, Last Reported, Date Open, Comments, Date of last payment ) section. See below. Some accounts are XXXX years old and should not be shown on my report.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

This is a letter that I sent to Citi on XX/XX/2023 following a call with a Supervisor in their XXXX Department. 

Background : Citi advised that their denial was solely based on the fact that I had charges before and after XX/XX/2023. They admitted that they never spoke with the vendor XXXX as indicated on my statement. I continue to state that I did not authorize this charge and have never utilized XXXX services. Then on a follow call, Citi verbally agreed to reverse their decision and credit me for the charge. The Supervisor acknowledged she could see my call earlier, but would not agree to review/honor the prior Citi employees finding to credit me the charge. not Citi has again continued to provide unacceptable customer service. 
*******Letter to Citi***** I am very disappointed to learn that Citi will not honor their verbal decision given to me today at approximately XXXX XXXX  by the Citi Dispute Team to reverse a dispute decision and to credit me for an unauthorized charge on XX/XX/2023 in the amount of {$440.00}. The Citi Representative further said that I would receive a credit in 7-10 days along with an email to confirm this event. Can Citi pull up this recorded call to confirm? 

As I did not receive an email, three hours later at XXXX today ( XX/XX/2023 ), I called Citi to verify that the credit was in process. I spoke with a Supervisor by the name XXXX in the XXXX Security Center who confirmed the XXXX took place but advised that the dispute reversal/credit was NOT approved! 

Per XXXX request for additional information, below is a text from the vendor XXXX indicating that they could not find a charge from me on the card # above. ( This card was replaced following my initial call to dispute the charge ). 

Further, as I have stated, I did not use this card with XXXX or any similar applications so the tap authorization was NOT by me. 

I hereby claim that I did not authorize this charge and again request a credit from Citi especially in light of the fact that Citis website advertises that I am not liable for unauthorized charges.
Consumer complaint received 2018-10-11
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. (CA)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Consumer complaint received 2022-11-23
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-06-15
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: EQUIFAX, INC. (TX)

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

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
Consumer complaint received 2023-06-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-05-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Savings Bank Keep putting incorrect payment and lack of payment information on credit report. USAA also is placing incorrect addresses on statements. I would like my accounts to reflect currently. This is hurting my credit score as I attempt to buy a home.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (OR)

My son attended XXXX XXXX XXXX for less than one quarter. 

The college was to refund unused monies and, either never did or it fell through the cracks. 

We have provided them evidence, and tried to resolve this for nearly three decades. 

ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. 

This has, in my opinion, been thirty years of government overreach and harassment. 

I ask you to please look into this matter and help resolve this egregious situation. 

Thank you.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have written multiple letters to the three credit reporting agencies regarding the late payment on my credit report. I have never been late on this account, XXXX XXXX, with the account number XXXX. Despite sending multiple letters, they have not even marked this account as being in dispute. I will attach my current XXXX and XXXX XXXX reports to this complaint.. This accout was paid and never been late. I never a received a reponse either. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I had a suntrust credit card from many years and when suntrust was taken over by Truist, I tried to get a new card as my old suntrust card was damaged, the new card was never sent, I am assuming due to the transition. Yesterday I got a notice that the account was being closed due to inactivity but the only reason it was closed was because I new card was not issued after repeated requests. I also did not receive notification that the account would be closed due to inactivity until after the date of closure which was XXXX XXXX XXXX  Notice of the account closer was received on XX/XX/. They are now telling me the account can not be reopened and I am concerned with the impact to my credit rating due to the loss of available credit.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (ID)

In XX/XX/XXXX, I found a collection account on my XXXX XXXX credit bureau for a medical / XXXX bill from XX/XX/XXXX in the approximate amount of {$250.00}, which was paid by my insurance company XXXX XXXX XXXX XXXX XXXX XXXX. I called my insurance company and they verified that a check was sent to the dentist XXXX XXXX XXXX within 7-10 business days from the date of processing the claim on XX/XX/XXXX. 
A copy of the Claims Details is attached herein. 

On XX/XX/XXXX, I sent to Allied Collection Services, Inc. a Validation of Debt request, a copy is attached herein. I received a response from Allied, which only attached a " Patient Details '' printout indicating that there was a Patient Balance of {$250.00}. A copy of Allied 's response is attached herein.
Consumer complaint received 2023-06-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}