davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

The security questions used to verify identities at the major credit bureaus are not secure. The default questions at all bureaus are based on credit reports, but identity thieves often have access to them. The solution would be to add extra questions that are not based on credit histories. XXXX  allowed me to do so, but XXXX and Equifax refused. 

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2017-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OR)

Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ).
We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter.
Consumer complaint received 2022-05-30
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)

n accordance with the Fair Credit Reporting XXXX XXXX XXXX in 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 2022-05-30
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)

n accordance with the Fair Credit Reporting XXXX XXXX XXXXl in 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 2017-07-28
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. (NY)

I have been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up as soon as possible. Thank you
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I seen that a company XXXX XXXX XXXX was recently a deliquent account that was added to my credit report as I have no account or connection with this company or affiliates. This is a fraudulent account that is being reported on my credit report.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

My home mortgage was transferred effective XX/XX/2019 to XXXX XXXX, as per the information showed in the Court paperwork to substitute party. 

Land Home FS " old servicer for XXXX XXXX '' never sent notice of service transfer that must be addressed not less than 15 days before the effective date of the transfer. Almost three months have now passed and I have not received any kind of information from Land Home FS or from XXXX XXXX. 
The notice of transfer must by law contain the name and address and phone number of the new servicer and/or owner. Land Home FS must provide that information urgently. In the absence of any other information I will continue sending my payments to Land Home FS.
Consumer complaint received 2022-05-30
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: Chime Financial Inc (IN)

On XX/XX/XXXX, I disputed a {$830.00} charge on my credit card with Chime. I submitted an XXXX police report to Chime as well to substantiate my dispute. 

On XX/XX/XXXX, my claim was denied with no additional information. 

I immediately requested they reinvestigate. I submitted to Chime a statement of claim in New York civil court as well as a complaint to the state Attorney Generals office. 

They havent contacted me in 3 weeks despite the emails and in-app messages Ive sent . Im concerned my dispute isnt being properly investigated.
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX XXXX XXXX days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

Bought a promotional item from XXXX XXXX XXXX store. The item came with 12 months interest free payments. At the end of 12 months the full interest would be applied to the balance on the card. There was never an option online to make a payment directly towards promotional item. I just got off the phone with the representative and she stated that if I called in I had to tell the representative that I wanted the payments to go to the promotional item. This is very misleading especially if I make all of my payments online to a 3rd party ( Synchrony Bank ) and there is no option to pay directly towards the promotional item. I never received any reminders, emails, calls letting me know that the payments I was making were not going toward my promotional item. I never received updates or reminders that my promotional time was ending.
Consumer complaint received 2024-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TN)

On XX/XX/24 SYNERGETIC COMMUNICATION put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXXXXXX XXXX XXXX I do not owe any debt to them at all
Consumer complaint received 2022-05-31
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)

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX XXXX ) XXXX XXXX  XXXX ( XXXX XXXX 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 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this account.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (CA)

I was contacted by my employer, XXXX, which is XXXX delivery service. Im an independent XXXX who works for them. They received a report from Checkr the company based out of XXXX XXXX stating my drivers license is expired. I physically went to XXXX and had my driving record printed out and the XXXX XXXX said my license is valid and marked it on the print out I contacted Checkr and XXXX and uploaded the form I paid for stating my license is valid and sent it to XXXX and Checkr. 
I have yet to receive a response from either of them. But still get emails and text messages saying my account is pending deactivation. Please help me. I need my job. Im a law abiding citizen and dont understand why theres an error with my current valid drivers license. Thank you
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

I reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments l 've attached a copy of my report on the following dates I'm now requesting you investigate with verifiable proof I had late payments if this information can not be verified I demand these payments be updated to " paid on time never late '' immediately thank you for your understanding and prompt action.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I disputed this once and received a response from XXXX XXXX stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX  and Equifax, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. XXXX and Equifax have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Consumer complaint received 2020-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (FL)

One day I checked my credit and it had dropped 120 points because some company I never heard of or received anything from had reported to the CRAs that I was in collections. IT was with regard to a medical debt that I do not believe I owe. This company never gave me any notice or a chance to dispute. Plus, I didn't receive any notice that they were going to report to the CRAs. I disputed it online but have heard nothing since and they did not update the reporting to notify the CRAs that I disputed it. I plan to sue them for the statutory fines after the holidays, but I think that putting you on notice about their abusive and secret tactics is also important.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. 
All payments have been made on time until HSBC started a forced placed insurance. 

2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. 

As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. 
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. 
This caused that my credit score dropped significantly and damaged my credit history substantially. 
The false information has been corrected. 
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2022-06-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was informed by bank that my account was being acquired by Citizens Bank, and I was fine with the transition. After the account was set up with Citizen, I inquired and found out that there would be a monthly recurring charge. This was not disclosed when I was informed of the transition. I asked Citizens to close the account and refund my balance in XX/XX/2022 via check. I followed up two weeks later and there was no change. I again made the request. About a week later, I see online that it was closed. About 3 weeks later, I had not received my refund. I followed up and was advised by an agent via chat that could not provide a status on my refund. I asked that the matter be escalated. I was told that it would be directed to the Chairman 's Office and I would get a phone call in 2 business days. It's about a week and a half later and no one has contacted me.
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: Experian Information Solutions Inc. (MA)

I'm upset with Experian! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-05-30
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. (LA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXXXXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX XXXX # XXXX XXXX  act # XXXX XXXX XXXX ACT # 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (GA)

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within 30 days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information.