davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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. (TX)

Hello Equifax, I have frozen my credit in month of XX/XX/2023 and put fraud alert on file. why you release my information without my consent to XXXX XXXX XXXX on XX/XX/2023. 

I want you to remove all my information from report as under privacy act 15 US Code 6802 - Obligations with respect to disclosures of personal information. 

also show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other forms permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party. 

Attached is XXXX XXXX XXXX on XX/XX/2023.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-02-20
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The specific account in my file is still erroneous and incorrect I need it verified immediately. 
Here is the account that needs verification : XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Consumer complaint received 2021-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

To whom it may Concern, This is a reply to the alleged response Midland Mortgage claim they sent me. I never received a reply to my original complaint that was mailed to their office on two occasions and I have received confirmation letters stating they received both of my letters. 
My claim that my escrow analysis covered a period less than 12 months is true and I have attached a copy of the document. The reply from Midland to CFPB is contradictory. First, they say at the time of my analysis I was due for a XXXX payment and that all payment made since my previous analysis were utilized in my current analysis. That being said I have a credit for XXXX and XXXX Escrow payments and I dont. If you look at the Escrow Statement reviewed XXXX my Escrow History covers XX/XX/XXXX thru XX/XX/XXXX whereas my Statement reviewed XXXX my History covers XX/XX/XXXX thru XX/XX/XXXX which is not 12 months as I stated in my original complaint. My complaint stands that my payment was based on an inaccurate Escrow Analysis. I dont understand how my account being due for a XX/XX/XXXX payment at the time of an XX/XX/XXXX analysis would cause a larger escrow shortage. What that statement says to me is that at time me of my analysis Midland had received my XXXX, XXXX and XX/XX/XXXX payments and my XX/XX/XXXX analysis should have a Escrow credit for XXXX, XXXX and XXXX. I dont have a credit for XXXX or XXXX. Also, once my mortgage payments were brought current my past due escrow payment should have been reflected in my Escrow History and they are not including in my History. What happened to my Escrow payments for XX/XX/XXXX, XXXX thru XX/XX/XXXX? What you will see on my History is there was a double payment in XX/XX/XXXX to cover XXXX and XX/XX/XXXX. Nothing recorded for XX/XX/XXXX or XXXX thru XX/XX/XXXX. However, in XX/XX/XXXX I received credit for {$1000.00} which include two payments at {$330.00} and one payment at {$430.00}. I was only short one payment of {$330.00} and several at {$430.00}. 
It is my understanding that I am required to have a 12-month Escrow Analysis and Midland has not provide me with a proper Analysis. I believe my payment have been misapplied to my account, I just dont know how far back this misappropriation goes.
Consumer complaint received 2022-01-31
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)

Experian RentBureau as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Experian RentBureau is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Consumer complaint received 2021-04-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc. (PA)

On XX/XX/2020 l was approved for a debt relief program for this debt. On XX/XX/2020 Eastern Revenue was notified by Mrs XXXX XXXX, director of student accounts of XXXX XXXX XXXX XXXX that my account was paid and this account had to be closed. But they keep calling me yet and keep the account open hurting my credit
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''. 

The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners. 

We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have an active account with XXXX XXXX XXXX. I have my 2 Capital One credit cards listed with XXXX XXXX XXXX. XXXX XXXX XXXX shows these 2 credit card accounts as being resolved, waiting payments. XXXX XXXX XXXX will be submitting those payments for me. 
Capital One Account Services has " robocalled '' me several times for a 'very important matter '. It's about these 2 accounts. Each time I tell them to contact XXXX XXXX XXXX. Each time I call the number back that office is closed, usually on the weekend or late evening. I am then told to call back the next business day. 
The last call I received was Saturday, XX/XX/2021 at XXXX XXXX. I was told to call XXXX to resolve this matter. When I called them back the customer service agent informed me that the department " auto calling '' me was closed till Monday and to call back then. I informed them once again to call XXXX XXXX XXXX. 
I believe they are trying to harass me into paying them myself, thereby disqualifying the agreement arranged by XXXX XXXX XXXX.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #
Consumer complaint received 2023-06-29
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-02-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} ; XXXXXXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (FL)

XX/XX/2023 I tried to register for an account with Credit Karma online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A FRAUD charge was made to my credit card in XXXX of XXXX for {$190.00} and was not realized until XX/XX/XXXX when viewing itemized charges online for year end accounting purposes. 

I have spent hours trying to resolve this with BOA via phone calls that generated the letters received on : XX/XX/XXXX XXXX XXXX ( XXXX ) for XX/XX/XXXX And the last was to be from the Escalation Department that never returned my call on XX/XX/XXXX. 

I am told the chip was used. Bank of America is unable to provide any sort of receipt or info on the charge. ( Would this be FRAUD? ) The last supervisor I spoke to, XXXX in Tennessee ID # XXXX said it was possible to make an unauthorized charge with a chip and she believed it would be resolved.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

Closing date XX/XX/2020 Mgt. payment including PMI {$1100.00} {$1000.00} P & I {$100.00} PMI {$180.00} Escrow BSI has been sending {$300.00} to the PMI company monthly instead of the {$100.00} on the closing documents. I have called repeatedly and they state 'this never happens we will look into it ''. BSI does not look into it and now wants me to pay an additional {$1500.00} due to their error of sending 3X 's as much to the PMI company as they were supposed and the analysis showing I am deeply negative. This mortgage is not even due for for an analysis as it is only 6 months old and paid according to the terms of the closing documents. 

I want my money back in my account as this has been going on since XX/XX/2020 and they refuse to rectify this situation and get my money back from the PMI company. I want interest paid back to me and my credit repaired as they have increased my mortgage payment and created an error due to their negligence. 

All supporting documentation is attached should you need further information I will be happy to supply it.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (MD)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (VA)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. The reasons behind reports of late payment remarks on my accounts are unclear to me. As per 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with Experian.XXXX XXXXXXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying ExperianXXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.