davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX ending XXXX with balance of over XXXX idispute this amount owed XXXX XXXX refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, XXXX XXXX closed my card. Please assist
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (NY)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE (MN)

On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (MD)

Please see attached a copy of a collection notice from TRS Recovery Services , XXXX. This collection agency is trying to collect on a debt for a bank overdraft. It states that they are trying to collect on behalf of XXXX XXXX XXXX. I state for the record that I have never had an account with this bank. Therefore, I insist that full documentation be sent to me with 100 % proof that I had a checking account with XXXX XXXX XXXX. I state for the record that I never had an account with this bank, and I have spoken to this collection agency claiming that I am not the party they are trying to collect upon. I need all letters and calls to cease and desist permanently. If any reference to this illegal collection process in om my personal credit reports, then I respectfully request the removal of said collections.
Consumer complaint received 2023-06-29
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. (SC)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXXXXXX acct # 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
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

How does Experian make their money? Do they Charge companies like XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report? If so, shouldn't Experian be responsible for protecting my credit report if XXXX unlawfully accessed my report? In XX/XX/2017, XXXX and one of their affiliates did not have permissible permission to access my personal credit report. This led to a fraudulent loan. XXXX simply labels all complaints over the last four years as duplicates without reading complaints. This is evident by the speed complaints are denied and labeled duplicates. Therefore since Experian is profiting by releasing my private information, should Experian be held liable. However Experian just replies with standard " feel good '' replies without accomplishing anything.. Experian has learned to play and mock the US through the CFPB. The XXXX  troops are complacent in XXXX  just like the employees of large businesses because they refuse to stand up. They are scared and do wrong for the sake of money.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (MI)

All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.
Consumer complaint received 2024-03-07
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. (FL)

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX  treasury XXXX form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2022-03-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (VA)

After the passing of my XXXX XX/XX/2021 the company sent a condolence letter in XX/XX/2021 after which i requested an extension in order to keep the home, i was never told i had 180 days automatically and then they failed to follow the care act guidelines and updated HUD guidelines which would have afforded me an additional 180 day extension for a total of 12 months. Instead they started foreclosure proceedings in XX/XX/2021 and refused me a 90 day extension claiming they received documents on XX/XX/XXXX of my intension with the property when in fact they received the documents on XX/XX/XXXX. And they claim they were due XX/XX/XXXX even though this was still not the proper procedures extended by HUD. I would like this issue escalated to HUD and the Justice department for improper servicing of a HUD backed loan. I have attached a copy of the sign they received where they claimed no address or contact number was on the sign. I also attached a copy of the date stamped email.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

in 2016 i had a bank of america account i opened the account for my son to receive money from his father. I checked this account daily for money promised to him. In. XXXX i lost my wallet with all my information XXXX security card i'd bank info bank cards both XXXX XXXX and bank of america one day i was in XXXX in md trying to buy a car i saw a large deposit didn't get a chance to do anything when i left the place the bank was close but the next day i called bank of america explained to them and they closed my account now they say i have unpaid balance after i asked them to watch cameras for verification.
Consumer complaint received 2019-03-28
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. (NC)

Equifax is reporting the XXXX charge-off account partial account number -XXXX-XXXX in the amount of {$330.00} on two separate line items on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This double reporting for the same account is harming my credit score. One of the line items needs to be deleted.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/XXXX, I inquired with a loan officer from Chase Bank to refinance my mortgage on my condo, which I informed him was unwarrantable. He represented that he had done many closings there before, it would be a 60-day process, and he would be able to assist me through the process. On XX/XX/XXXX, I received a loan estimate stating the interest rate would be 2.49 %, with no points and {$2900.00} of closing costs. From there, the process was handed from my loan officer to a customer care specialist. Although I uploaded all documents requested in timely fashion, the customer care specialist was unresponsive and the closing ended up being on XX/XX/XXXX, almost four months after the process began. He informed me the delay was because he had no experience with unwarrantable condos and was not aware we needed to schedule an appraisal. My final closing disclosure stated that my interest rate would be 2.75 %, with {$3800.00} ( {$1100.00} due to points ) in closing costs. I raised concerns about the new terms which I wasn't aware of. However, I was encourage by both the loan officer, and customer care specialist to follow through closing because they would refund me the cost of points and a customer care credit of {$500.00} due to the new rate and my experience. It is now late XX/XX/XXXX and I have not received any of the promised refunds.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-04-19
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. (NY)

I reach out to Transunion by phone couldn't get through to the fraud team regarding fraud inquiries on my credit report. There is 21 fraud inquiries that must be removed immediately. I have submitted an FTC report. I will be attaching my driver license for the verification of my identity and also the FTC report as well. These Inquiries have effected me and my family in a negative way and stop me from providing essential things for my family. Thank you, God Bless
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NY)

I started a mortgage application for the refinance of my Co-Op with Cross Country Mortgage in XX/XX/2021. Initially I was told this process would take approximately 60 days to complete. Communication with this company was steady and fair until around XX/XX/2021 when I was waiting for a closing date. I the operations manager that I was assigned to when I didn't hear back from them around the time I should have received a closing date. I was told that by her they were waiting for a response from the Attorneys that they chose. After another 2 weeks went by I contacted them again and was told they would go with a plan B which was to find a new lawyer. Two weeks after that I began calling and emailing both the operations manager and the loan originator and got no response. Finally I contacted the attorneys they chose. When I spoke with them, I was told they represent the lender so there really wasn't anything for them to do but secure the title. I called the mortgage company back and was transferred to a manager who then told me that my application is no longer valid and these things happen. He stated he would find a new lawyer and restart the process. As of the date of this compliant I have yet to receive any response from them despite numerous phone calls, and emails. 2 disclosure extensions and XXXX later for an appraisal and Co-op survey fees and I have yet to hear back from this company despite numerous phone calls and emails.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MS)

AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

I opened the savings account XX/XX/XXXX. There is XXXX dollars plus the 4.5 % interest in the account from my XXXX XXXX checking account. I received a Letter from Marcus Goldman Sachs about them closing my savings account dated XX/XX/XXXX saying to transfer money before XX/XX/XXXX when the account closes. I tried to log on to my account and it says its locked today on XX/XX/XXXX. On XX/XX/XXXX On the phone for 37 minutes with multiple people saying they cant unlock my account or wire transfer my money from the account saying I needed to call back and talk to some one else.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing requested a baloon payment in XX/XX/2021 of my HELOC 2nd mortgage without any notice of this action before nor after this date. I was still in Bankruptcy during this time and I was continuing payment on the interest-only monthly payment per agreement on this HELOC. When my BK was discharged in XX/XX/2021, I found out SLS reported a late payment on the same month as a result of the baloon payment requested in XX/XX/2021. I am therefore disputing the late payment charge being reported by SLS to the credit reporting bureaus. This derogatory information should not be appearing on my credit report.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is 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 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX