davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
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: EQUIFAX, INC. (IL)

I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked Equifax, XXXX, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

I am following up my previous complaint today in regards of being a victim of fraudulent activity. Let me repeat that, pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : ***********EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within XXXX business days of receipt.
Consumer complaint received 2023-06-19
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. (NY)

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.

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 2023-02-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bread Financial Holdings, Inc. (CA)

I took out a loan to purchase tires through a local XXXX XXXX XXXX dealer in XXXX XXXX CA in XX/XX/XXXX. It is a 12-month no interest if paid off in that time period. XXXX XXXX has XXXX dealerships in 25 states and its XXXX. XXXX XXXX is XXXX, which in turn is 50 % owned by XXXX XXXX XXXX XXXX XXXX and 50 % by XXXX. 

The loan was made by Comenity Bank of OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity is owned by Bread Financial Corp. I have deal with Comedity before on a health care loan I paid off. Finding their street address is hard as they provide consumers with a XXXX XXXX  only. Customers are forced to communicate with low level call center agents who have responsibility but no authority. Bread and Comenity are blind lending institutions for the most part.

My complaint : Comenity requires that you only provide my checking account number and the routing number of the XXXX XXXX I belong to. I just received a receipt for a payment I made today. XX/XX/XXXX. The disconcerting information on that receipt was it contained the last four digits of both my checking account number and the last four digits of its routing number. This was a Big Red Flag to me. I had never received both personal numbers from any vendor let alone a financial institution before. 
I found the XXXX XXXX Directory which provides the Routing numbers of every financial institution in the U.S.Was not hard to find my credit union 's full routing number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know it's not rocket science to have criminal organizations get everything they need to break into my account let alone thousands of others. The Bank directory culls its data from the FDIC and the Federal Reserve Banks. XXXX The XXXX XXXX Directory has no corporate or government ownership information. They can only be contacted by email. Looks like a great resource for criminal syndicates to steal large sums of money to me. XXXX XXXX XXXX You have my email address, I have spoken to the Identity Theft Resource Center with much of this information. I trust that as a citizen the CFPB will look into this information.
Consumer complaint received 2023-02-02
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. (NC)

Account name : # XXXX. XXXX. XXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX Bank XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

This Company has Unlawfully obtained my personal information and created an internal account and made me a debtor of said account. I have no relation with National Credit Systems. 18 U.S. Code 1028A- Aggravated identity Theft I did not give National Credit Systems Inc permission to report an acccount on my consumer file. They illegally used my social security number and other personal information against my will. 15 U.S. Code 1681b- Permissible purpose. If National Credit Systems believe they have permission or any contractual agreement to do so please provide proof immediately.
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$61.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I sold my home and my lawyer deposited my check from the title company on XX/XX/23 to Bank of America at a local branch. I received a copy of the deposit slip that it was deposited on XX/XX/23. The deposit slip even says {$5300.00} will be available to me on XX/XX/23 by XXXX, and it is not. The bank did not log the deposit it until XXXX on XX/XX/23 and have a hold on my funds until XX/XX/23 when I have proof from the title company that the funds have been cleared from their account. I have called and spoke with 3 supervisors and I am told there is no way to remove the hold, even though the money is now there. This is not right, the funds have been taken from the title companies account and they will still not release the money stating they have to validate the funds, which has happened since the check has cleared, and in case the check gets returned, which cant happen since BOA now has the funds and it has been processed.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Someone has been using my information and I have been trying to get these removed for a while now and they have not removed them I went to the police department and they have gave me a police report to add to my letters that I report I will add to my account
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

This complaint serves as a follow up appeal for the removal of remaining fraudulent entries from my Experian credit report, specifically to eliminate an unauthorized credit inquiry and an inaccurate address currently listed. Upon reviewing the most recent copy of my credit report provided by your bureau, I identified that both the unauthorized inquiry and the inaccurate address remain unaddressed. The details of the items in question are as follows. 
EXPERIAN : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022. I repeat that in line with the Fair Credit Reporting Act, I urgently request the immediate elimination of the unauthorized inquiry and the rectification of the inaccurate address mentioned above. Additionally, I request that a revised copy of my credit profile be dispatched to my provided address. Should there be any findings suggesting the inquiry was authorized or the address was indeed associated with me, which I firmly contest as it has never been my address, I request a detailed explanation of the investigative process utilized, to be shared with me within another 15 days following the conclusion of your re-investigation.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX  XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (AL)

Theres a debt service which is called CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX With original debt with XXXX XXXX XXXX ( Insurance company ) Ive never even had XXXX XXXX ever in my life and I keep disputing but the dispute results keep saying is accurate with nothing showing where I had XXXX XXXX. I ask for dates of when I supposedly got insurance through them and I get no investigation results confirming this account. The only thing I can actually find out is the date the account opened and thats from seeing it on my own through XXXX XXXX. The date was XX/XX/2020. This account is not even mine and I cant even dispute it to get it removed nor get results showing that I, myself opened the account. Which is probly because Ive never even had XXXX XXXX. This account needs to be removed and deleted. 
Thanks
Consumer complaint received 2023-03-02
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. (CA)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX 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 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

I have been calling since XX/XX/2023 about my escrow payment going up. I discovered my county tax office removed my exemption in error. I immediately had it corrected and submitted documentation to Rocket Mortgage showing they have revised my tax bill and issued a refund for overpayment as well as corrected next years tax bill. I uploaded it while on the phone with the representative who told me to give it abut a week to update. 

Since then I have gotten the runaround and told a variety of things, such as it takes 30 days to update or it's being reviewed on the XXXX all while it states on the portal that I must make a decision about what to do with the escrow overage by XX/XX/XXXX, but then goes to NOWHERE for me to select one. I have called asking for help on XX/XX/XXXX, XXXX, XXXX, XXXX and now today, the XXXX. 

I can not afford this new amount and I can not pay it. I have never missed a payment and nobody is working to get this resolved. I will be in foreclosure within 2 months if i'm forced to make a payment that is inaccurate.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (TX)

On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for First Investors Financial Services, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by First Investors Financial Services and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/ Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.