davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

PLEASE refer to complaint # XXXX that has been closed but without any resolve!!!! I STILL can not login to Citibank to make a payment. Since I filed that complaint above in XXXX, my husband suddenly became ill, requiring emergency assistance ( ambulance ), 2 units of blood and a stay in the hospital all the end of XXXX and first of XXXX ). Citibank tried to call me while I was caring for him at the hospital and while the doctor had come in to update us of his status. I could NOT take the call. I tried to call them back but the recording said that number did not RECEIVE calls!! How convenient to further delay my payments! 

While he was in the hospital we learned that his mother had fallen through the cracks of medical care because of XXXX protocols -- they missed she had XXXX because they weren't doing her routine XXXX screenings!! She died just weeks later on XXXX/XXXX/XXXX. We were busy caring for her and helping her with her final arrangements. It was beyond heartbreaking! 

We get back from all of this only for our oldest daughter to come down with XXXX We are all fully vaccinated and was shocked this happened but now I'm caring for my granddaughter while her parents battle to get well. 

In the meantime Citibank has yet called two more times from the unreturnable phone number and always at the most inconvenient of times. They do not leave a message. Nothing. 

Add to all this that our oldest son was XXXX last year on XX/XX/XXXX. His XXXX XXXX trial was to start on XX/XX/XXXX. We were busy preparing for this trip right after we lost my mother in law only to learn ON the XXXX it had been postponed yet again. 

I AM STRESSED BEYOND MEASURE AND AM IN BAD HEALTH MY OWN SELF BEING FULLY XXXX!!!! I CAN NOT GET LOGGED INTO MAKE A PAYMENT BECAUSE I DO NOT HAVE A VALID CARD # BECAUSE THEY CLOSED THE ACCOUNT!!!! I DON'T EVEN GET A PAPER STATMENT NOW THAT ALL THIS HAS HAPPENED. 

IS THERE NOT SOMEONE WHO CAN HELP ME? PLEASE??????
Consumer complaint received 2022-03-15
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. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-03-15
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, Equifax, XXXX, and XXXX. ( 18 USC 241 ) Equifax, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
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. (FL)

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, who's studying 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 XXXX out of XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I received communication from my mortgage provider that my home owners insurance had expired and that they would seek to provide coverage that would be more expensive and less coverage than if I would be able to obtain on my own. I cancelled my policy at year end of XXXX with XXXX XXXX and went with a new insurance provider ( XXXX ) for this year XXXX. There was some mis-communication between my new insurance provider and my mortgage lender. My mortgage lender never received the new policy. I was first contacted by them through mail sometime in XXXX and they had instructions on how to upload my new insurance info through the 3rd party website XXXX which I went and completed. I thought everything was good until XXXX when my new bill for XXXX went up by {$150.00}. I called on XXXX, XXXX, XXXX & XXXX trying to resolve this issue and I asked them to also remove my insurance from being calculated in the escrow account as I will be paying them directly as I have starting this year. All those phone calls, the rep couldn't help me. They gave me email addresses and websites. I tried multiple times to upload my insurance information and sent emails with no return response and my mortgage payment is still increased by {$150.00} and my account still shows my expired insurance policy.
Consumer complaint received 2022-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

" IDENTITY THEF '' Capital One, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.
Consumer complaint received 2023-08-08
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. (CA)

In accordance with the fair credit reporting act conversion accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation (TX)

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (MD)

Security Credit Services has failed to comply with the Fair Debt collection practices Act.

This company is in violation of 15 USC 1692b2 acquisition of location information.

( 2 ) not state that such consumer owes any debt ; the term State means any state, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision any of the foregoing. I do not live in the state of Texas therefore this company can not collect a debt, force, or harass me to pay a fraudulent debt. 
Security Credit Services has also failed to comply with my request. Pursuant to 15 USC 1692 G debt validation five rules debt collector must send a written notice containing as validation ( 1 ) the amount of the debt ( 2 ) the name of the Creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the 30-day. That debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such a verification or judgment will be mailed to the consumer by the debt collector ( 5 ) a statement that, upon the consumers written request within the 30-day. The debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I have requested all 5 of these rules and Security Credit Services as simply not complied which is a violation.

Within the documentation sent by Security Credit Services I have received paperwork that has a multitude of violations including 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15USC 1692E ( 10 ) and 15 USC 1692 ( d ) ( 2 )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding TransUnion and Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681b ) Dear CFPB, I am writing to file a complaint against TransUnion, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) in three separate instances, specifically 15 U.S.C. 
XXXX. 
First Issue : Inaccurate Information - Deleted Account and Remaining Hard Inquiry I successfully disputed an account on my TransUnion report. I provided all the necessary documentation, and TransUnion confirmed the account was deleted. However, they did not remove the hard inquiry associated with the deleted account from my report. 
According to the FCRA, permissible purposes for a consumer report include reviewing an account to determine if a consumer continues to meet the terms ( 15 U.S.C. 1681b ( 2 ) ( A ) ( ii ) ).

Since the account was deleted, there is no longer a valid reason for the hard inquiry to remain on my report. Its presence is misleading and can negatively impact my credit score. 
Second Issue : Inconsistent Treatment of Documentation and Discriminatory Practice I submitted all the documentation and explanations TransUnion requested regarding the disputed account, including proof of its deletion. However, TransUnion rejected my documentation solely because I mailed it from my workplace address, claiming it was from a " third party. '' This claim is demonstrably false as I am employed there. 
Furthermore, I have previously mailed documentation from the same workplace address to TransUnion, and they accepted it without issue. This inconsistent treatment highlights the lack of justification for rejecting my recent dispute documentation based solely on the mailing address, which appears to be a discriminatory practice. 
Third Issue : Inaccurate Information - Balance In a separate dispute, I identified an incorrect balance of {$89.00} associated with a specific creditor on my TransUnion report. The original balance was incorrectly reported as {$480.00}. I contacted the creditor directly, and they confirmed the error and submitted documentation to TransUnion indicating a corrected balance of {$0.00}. However, TransUnion continues to show the incorrect balance of {$89.00} and the related hard inquiry on my report. This discrepancy is reflected only on my TransUnion report, as both XXXX and XXXX have updated theirreports with the corrected information.
Consumer complaint received 2023-08-09
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. (TX)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

Experian stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-07
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. (CA)

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies XXXX XXXX Experian did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all XXXX reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


Account Name XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 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 XXXX, who's studying 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 XXXX out of XXXX 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 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

Dovenmuehle Mortgage has been over-collecting on my escrow account for nearly a year. My taxes went down significantly ( $ XXXX ) due to my home being designated Historic. I called Dovenmuehle in XXXX of XXXX to see when my mortgage payment would be decreased and when I would receive a refund for my over-payment. They told me the analysis would be completed at the end of XXXX. I called in XXXX when I didn't see a difference on my mortgage statement. I was put on hold for hours and no one understood what I wanted. I called again a week later and the same ting happened. I was hung up on and had to go through the system several times until I finally gave up. I called in XXXX and asked for an escrow analysis. They said ok, and a week later I created an online account so I could check to see if there was a new analysis. There was. It still showed the previous tax amount. I called a week ago ( XX/XX/XXXX ) and was told that I needed to show them proof of the new tax amount. They told me it would take four days to re-run once I submitted the tax bill ( which they already had ). I called my county and had them send me the tax bill. I emailed it to the address provided by Dovenmuehle. I called today ( XX/XX/XXXX ) and was told an analysis would not be run because the difference was less than {$10.00}. At this point I asked to speak to her manager. She is now expediting my claim. It took five months and I was never followed up with, or treated fairly. They have been holding too much of my money in escrow and it shouldn't be my job to correct them beyond when they received the first tax bill in XX/XX/XXXX.