davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

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 U.S.C 1681. 
XXXX, Equifax, XXXX all have different information reporting on my credit report XXXX  XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

I discovered a XXXX checking account & credit card account was opened in my name when I applied for my account with XXXX XXXX in XX/XX/2019. I then contact Early Warnings Services Im disputing this information. 

XXXX refuse to give me any type of information. When I call to dispute theses accounts no one will speak to me. Everyone I speak to tells me that is been sent over to a team to be worked. No one has contacted me or asked for no type of documents. 

I have been in contact with XXXX XXXX since XX/XX/2019. I have sent identity theft affidavit, police reports, & all of the requested information. 

Early Warning continue to tell me the same thing that XXXX  said the information is accurate & Im responsible. 

I will not be responsible for anything that do not belong to me. Early warning told me to send in a rebuttal statement & they will Re-investigate reinvestigate however I have yet to see any documents of any new information. 

XXXX told Early warning that this said account had direct deposits & etc but I have yet to see who the payee is & company. 

No one is helping me with this matter & this is becoming more then & issue for me. 

I have never had an account ( s ) with XXXX.
Consumer complaint received 2023-01-06
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. (NC)

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.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

The forbearance period ShellPoint servicing is offering I feel does not comply with the recently passed CARE law. 

My understanding is ShellPoint Mortgage Servicing will allow a forbearance of a maximum of 90 days then the full amount owed is do ... 

Hence if your payment is {$1000.00} a month and you miss 3 payments you will owe {$3000.00} after the 90 days.

I do not see how this is helpful? The 3 missed payments should be added to end of the loan not within 90 days.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a phone call from Midland Credit Management stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (OH)

I want to start by stating that I am a elder veteran who is being taken advantage of and pressured into paying for an account. Furthermore, Meridian financial services is ruining my credit rating and affecting my ability to obtain credit. They took an account which they state is " one account '' in the correspondence they sent me and broke the account into 4 separate accounts on my credit reports. When I asked the credit bureaus and the collection agency to validate every account reported they are saying it is accurate. Actually, XXXX  even has them listed as an ATTORNEY which I believe is actually against the law to my understanding. Initially, I received a letter from Meridian Financial Services dated XXXX XXXX which stated I owed them {$7900.00}. More recently I received one stating {$6100.00}? First off, I never signed a contract with this organization and have since requested where in the original contract with the creditor did it state I would need to work or communicate with this collection agency. Furthermore, I received notification from the original creditor that the mortgage was satisfied and paid in full yet, this collection agency is reporting over $ 6k in separate payments ( which I have attached all of this documentation ). On just my XXXX   alone ( which has them listed as an attorney ) there are accounts in the amount of {$640.00}, {$2200.00}, $ {$2200.00}, {$890.00}. How can this even be the case when the mortgage was paid/satisfied and somehow they say I still owe them money for 1 account yet there are four accounts? I am confident I am being taking advantage of and they are trying to steal money from me even during this pandemic.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019. Chase Bank informed me that my account was restricted and that they would be closing my account within 7-10 business days. I had an application for a secured credit card with XXXX XXXX XXXX  for the amount of {$200.00}. The application never went through I demanded a refund XX/XX/2019, which I confirmed with a representative from Chase I would receive it in my account before the account closed. Chase decided to close my account and the wire for {$200.00} was sent, I am told by XXXX XXXX XXXX. The problem is Chase is telling me that they never received the wire. Both banks are sending me back to the other. XXXX XXXX XXXX gave me a transaction ID number for the wire and they claim they sent the wire out. Chase claims they cant find the transaction ID number and a wire was never sent to my account. I dont know what to do.
Consumer complaint received 2023-01-06
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)

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.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I made a deposit into my personal checking account on XX/XX/year> through mobile phone deposit. There was a typo on the check that I did not see and I received a notice by email that the deposit may be returned but I was not given a reason why, and that they would hold my deposit until XX/XX/XXXX. On Monday XX/XX/XXXX, I found that there was a typo on the check when I spoke to the person who issued me the check and that was probably why there was a hold. However, they told me that the check cleared their bank already. So on XX/XX/XXXX, I contacted my bank ( Bank of America ) and I requested that they cancel the hold. They refused to cancel the hold, because they stated that the Federal Reserve is the entity that places the hold. I knew this was not true. So I requested that they cancel the deposit and I can go deposit the check in another bank or get the company to issue me a new check. They said that they could not do that since it was already in process. I do not know if this was true or not but it does not seem to be correct. My complaint is that they are holding this check much longer than needed, lying about the Federal Reserve was to blame and refusing to release the deposit. The check is only {$3000.00} and this company has issued me this amount every XXXX weeks for the last XXXX years.
Consumer complaint received 2022-05-05
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. (UT)

XXXX has reported that I was delinquent on the report in XX/XX/2021. This is incorrect info as I as in Forbearance with them. I have a letter proving that they made a mistake. Please correct this as soon as possible. Account shouldn't be showing delinquent at any time.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

I was a few days late making a payment as I hadn't received the bill. I realized the oversight and paid the bill on XX/XX/2020 and advance paid the next month 's on XX/XX/2020 as well. I contacted Comenity Capital bank-the issuer-and they waived the XXXX late fee as I had never been late before. On XX/XX/2020 my card was declined. When I contacted Comenity I was told that my account had a " utility suspension '' until the next billing cycle=over two weeks away. I messaged Comenity and a person named XXXX called back. I questioned if this punishment was outlined in my BJs credit card agreement or anywhere on Comenity 's website. He was unable to produce it and said it was an internal policy, not noted anywhere in writing he could find, but regardless he couldn't waive the suspension. It is outrageous to subject consumers to this phantom policy and tell them that there is no recourse.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank opened unauthorized accounts in my name. They used my social and address. 
They told cfpb that they closed the accounts in XX/XX/2020. 
I received an account from TD bank today. XXXX XXXX XX/XX/2020. ) The account was clearly never closed. 
TD bank never sent me confirmation of the closed accounts after telling cfpb that the accounts were closed.
Consumer complaint received 2020-04-08
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. (IL)

I am victim of XXXX  XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from Experian. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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  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 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
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. (VA)

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.