davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2018-03-06
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. (IL)

This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with Equifax, XXXX and XXXX.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Denefits LLC (CO)

I am writing to file a complaint against [ XXXX XXXX ]. This company has been trying to collect a debt from me without providing proper validation and has used illegal communication tactics and illegal reporting. 

I am an educated consumer and am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite this, [ XXXX XXXX ] has continued to engage in the following illegal practices : Attempting to collect a debt without providing proper validation, including the amount owed, the original creditor, and proof that they are authorized to collect the debt. 

Using illegal communication tactics, such as harassing me with frequent phone calls outside of the hours allowed by the FDCPA, and making false or misleading statements. 

Illegally reporting the debt to credit reporting agencies, causing harm to my XXXX XXXX and report. 

I believe that Denefits LLC has violated my rights as a consumer and I request that the Consumer Financial Protection Bureau takes action to hold them accountable for their illegal practices. 

I appreciate your attention to this matter and look forward to a resolution that protects my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-17
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. (SC)

I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The name of the account is XXXX. They continue to report false information to all XXXX credit agencies. This account was closed and paid in full in XXXX  This account was never late nor does my credit report reflect late payments. Yet XXXX has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Consumer complaint received 2020-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

Loan Depot has mismanaged my Escrow account since it began servicing my loan 4 years ago. Multiple times per year they over draft the account only to then change our payments without notice. This has happened 5 times and each occurrence takes weeks of sitting on hold and dealing with numerous people to resolve. In each case the mortgage company has been wrong and yet like clockwork in 4-6 months I'll be having the same conversation with the same issues. Most recently they over drafted my escrow account by paying property taxes I'm exempt from and are trying to change my payment by over {$800.00} to account for it. I opened a customer service a month before they changed the payment because I saw the mistake on my statement yet they provided no resolution and changed our payment regardless. Multiple calls to management have been un-returned and anyone I have spoken to there is rude, unhelpful, and blames me the customer. Its abusive and down right incompetent.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to Capital One several times to work out a payment program on my 2 accounts that includes a reduction of the current 24.4 % interest so the the balance on the account does not continue to rise. 
I am being to told I'm not " eligible '' for any such program. I've had a reduction in income that's forcing me to work with creditors. Capital One is the only one unwilling to work with me. I want to pay the debt. I do not want to be abused in the process.
Consumer complaint received 2022-10-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXXXXXX XXXX was : XXXX XXXX XXXX FRAUD AND FORGERY NOW TOLLING CONSUMER PROTECTION -=MY HUSBAND AND MY NAME ARE OWNERS OF HOMES- THEY ARE EXPLOITING IN A SYSTEM WHERE THEY HAVE MY HUSBANDS NAME ON PROPERTY THAT READS IS A HOUSE BUT IS A LOT- YET PAYING TAXES SINCE 2017 - CALLED TAX OFFICE NOW ITS REMOVED- BUT i HAVE THE PICTURES-SO YOUR DOING A GOOD JOB- XXXX XXXX IS DOING ACCOUNTS- THEY ALSO TITLE FLIPPING- AND THEY ARE TOLLING Exploiting personal data without authorization : Failing to provide legally required consumer disclosures : The Truth in LENDING Act requires banks to provide certain disclosures TO A DEAD PERSON WHEN STEALING HIS IDENTITY AND A WIDOWS LIFE ESTATE AND ALL THEY OWN WHEN WE WERE NOT IN DEFAULT
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair credit reporting ACT XXXX  account XXXX and 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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX RE : Unauthorized Credit Inquiry To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects two credit inquiries made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have these unauthorized inquiries removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2022-10-27
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. (SC)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Debt allegations was remove and place back on my credit report which is in violation of 15 usc 1681 I ( 5 ) b resertions of deletion. Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
Consumer complaint received 2020-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Prime Choice Funding Inc. (NJ)

Predatory Lending and an absolutely horrendous company to deal with. " Senior Loan Officer '' XXXX XXXX misled us with bait and switch tactics to get us to refinance with them ; he was given all our information for taxes and insurance and quoted us a payment based on the actual numbers. A few months into our refinance, our Escrow was over drafted. When we inquired about it they claimed its because our taxes and insurance changed which they did not ; this led to them increasing our monthly payment by over {$800.00}. It took an act of God to get it straightened out and multiple managers not to mention countless hours of my time on hold waiting to talk to someone who was competant. The best part is, this was only the first of 4 times they've done this to us in the 4 years since we refinanced. Multiple follow up messages to XXXX were either ignored, or he passed the buck to the servicing company to which the loan was sold. This loan was never right from the beginning and has never recovered.
Consumer complaint received 2021-12-31
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: ENCORE CAPITAL GROUP INC. (GA)

I have filed a dispute in regards to the incorrect items I have on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I want to remove the XXXX which I am qualified to do because of the value/remaining balance on my loan. 

PNC continues to deny this because they say I have a HUB loan, when all of my paperwork says FHA. They resent what they say the have on file but it appears to be missing signatures. 

I went through an approved forbearance due to temporary unemployment and just before I began repayment I was forced to pay a balloon payment and resign a paper allowing them to increase my agreed FHA interest rate. I signed the paper under destress because I thought they could just take my house. I researched later and now know that was not the case. I feel a victim of fraud. 

I have attached all of the paperwork sent to me by PNC.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-25
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On the XXXX and XXXX I submitted three ach deposits to Coinbase ( XXXX and XXXX on XXXX, XXXX on XXXX ). The first one cleared today ( XXXX ), the XXXX which is fair given weekend ach transfers take a day or two. The second one says four more days ( XXXX dollars ) and the final one says tomorrow ( XXXX dollars ). They're clearly holding higher deposit amounts longer for interest accrual on their side because my bank cleared all of them two days ago.
Consumer complaint received 2022-02-25
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. (MI)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2023-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

I have called multiple times to check on the status of my refund. I requested back in XXXX for a refund of {$10000.00}. I was told it would take 8-10 weeks. 

After 8 weeks, I called back and was told it was still processing. 

As of XX/XX/23 I still have not received my refund from Fedloan Servicing and have had zero communication initiated by them. I have had to be the one requesting any updates or information.
Consumer complaint received 2020-01-18
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)

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DE)

Citi Card charges interest even when APR = 0 % on account. In my XX/XX/XXXX Statement, the balance Subject to Interest section ( the regulatory form at the end on statements ) indicates that NO amount of balance is subject to interest. 

My account was supposed to be at 0 % interest in that cycle as well as several cycles thereafter. I was still assessed interest in the XXXX cycle. Citi sent me a letter on XX/XX/XXXX indicating and confirming that my PURCHASE balance had been paid off in full. Is that not the Card Act equivalent for considering me a transactor?