davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report
Consumer complaint received 2018-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

My attorney contacted XXXX XXXX XXXX  / LVNV Funding on XX/XX/2023, regarding an outstanding balance of {$640.00}. My attorney requested the original contract, bill history, and interest paid. They only provide the last billing payment cycle.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the new inquiry which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this inquiry which is found to be opened due to identity theft. The dispute inquiry do not belong to me. Im attaching the required FTC Report for you. Please block/remove this file. XXXX XX/XX/2023 If you feel there is a possibility this inquiry belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiry is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

Citibank cashed a check made out to me and my husband six weeks ago froze our savings account closed our checking account said it was fraudulent for about two weeks. Then said they didnt cash it. then sent a statement showing it in there and never gave us the money back from either! Told us we would never get the money from savings it can only go back to the bank in a harmless bank to bank transfer that peoples has to initiate or the maker of the check. Which peoples wont because citi indeed cashed the check back in XXXX. This has caused a great hardship my husband is on social security and our primary income. Im attaching the letter with documentation of check cashed from peoples and a copy of my statement. I honestly dont know how they are allowed to do this!
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (IL)

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 

XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00}.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (IN)

I have been trying to get a refund from my secured credit card for several months now. I have submitted 2 written requests and still have no received the {$200.00} refund. I have received statements from XX/XX/2023, XX/XX/2023, and XX/XX/2023 showing a credit on the account and refund due to me. All of these statements were sent to me via mail while the check has not arrived in the mail. There has been no proof via a tracking number to show the check has been sent, even though I have requested tracking or proof of the check being sent twice. I am once again requesting my refund to be mailed to me immediately and for this case to be escalated. I am also requesting tracking for the check as there has been no proof or update other than telling me to refer to custom service. Custom service does not have access to the refund department and are unable to help me. The company has confirmed my mailing address and has sent me mail, but not the money owed. At this point they are well past the legal time period for the refund after my written request. Please escalate and rush my refund and provide proof via a tracking number for the check being mailed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXXTeletrack is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXTeletrack the financial institution and the Consumer reporting agencies XXXX XXXX XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX /Teletrack whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX /Teletrack never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-17
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: 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 confidentiality under 15 USC 1681. 
Account name : 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 2023-03-17
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (UT)

In XX/XX/XXXX I purchased my home with an 80 % loan to value HELOC from Washington Mutual. In XX/XX/XXXX I REFINANCED that HELOC with a new 80 % loan to value HELOC from Washington Mutual. The original purchase HELOC was never RECONVEYED after being paid off and closed. It still shows as a lien on my home. Chase has attempted to foreclose on a lien that should have been RECONVEYED, but was never RECONVEYED. Chase says my home is overencumbered by over {$100000.00}. My refinance loan in XX/XX/XXXX was an 80 % loan to value loan. There should be no possibility of my home being overencumbered.

I quit paying on my HELOC in XX/XX/XXXX, when I realized Chase had a fraudulent lien on my home. I attempted to have them remove it. They would not resolve the issue. I hired an attorneys office in XX/XX/XXXXto attempt to do a short sale on the home because I can not afford a home that is overencumbered by {$100000.00}. I had three different offers on the home between XX/XX/XXXX, and XX/XX/XXXX at the appraised price of {$320000.00}. Chase never agreed to do a short sale. OnXX/XX/XXXX, Chase canceled my short sale, and applied a credit of XXXX to the actual loan that should exist on my home. They sent me a letter saying my short sale was canceled because I had ( approximately {$100000.00} ) equity in my home, and a short sale was not necessary. Meanwhile the fraudulent lien was to be auctioned on the courthouse steps a few days later in foreclosure. On XX/XX/XXXX, After I was credited {$210000.00}, and told by Chase that I had equity in my home, I paid Chase {$13000.00} to bring the loan current that was headed to the courthouse steps in foreclosure. On XX/XX/XXXX, Chase charged my account {$210000.00}, bringing the entire situation back to square one. I paid them {$13000.00} in good faith that the situation had been resolved. After I gave them the money, they defaulted on the promise they had made to me by crediting my account {$210000.00} and telling me I had equity in my home. Chase is holding me and my house hostage with a fraudulent lien, that they promised to fix and then reneged after I paid them {$13000.00} in good faith.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX I sold my house located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
The mortgage bank was Select Portfolio Servicing, Inc ( SPS ), Account Number XXXX. My mortgage has an escrow account with a balance of {$1100.00} to my favor. SPS made a mistake and sent the check to the address of the house that I sold at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, instead of sending the check to the forwarding address on file. For this mistake, I did not receive the check. I called several times SPS during XXXX and XXXX asking for my check. On XX/XX/XXXX SPS sent me a letter saying that they were in the process of reissuing the check. Several months passed and I did not receive the payment. On XX/XX/XXXX I called SPS again and they said that they will mail check in the next 30 days. On XX/XX/XXXX I called SPS again and they repeated the same thing, that they were going to send check in the next 30 days. It is XX/XX/XXXX and I have not received the check. It is simply unacceptable that after 26 months I have not received my money from the escrow account.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have contacted XXXX and Equifax on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX ( XXXX ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Consumer complaint received 2023-05-07
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. (NJ)

On XX/XX/23 XXXX reported my student loans to the credit bureaus ten times. I received a letter from the government that my student loans will be forgiven. The government has also placed a hold on student loans and they should not be able to do this until that hold is over!
Consumer complaint received 2017-12-31
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: CITIBANK, N.A. (FL)

I contacted Bloomingdale 's by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-13
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: Santander Consumer USA Holdings Inc. (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact  Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (CA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.