davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2021-09-16
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. (FL)

XXXX XXXX XXXX XXXX- This is a complaint against the XXXX XXXX which I was never able to use even once. I spoke with their employee ( s ) but I can't remember their name ( s ). They had my ID during the whole process. I was offered gifts such as cruise, trip to Hawaii, free points, etc which I never received except for a brochure, that's all. They told me I was actually making a good financial investment and promised things would be positively different each time things got worse. The person I dealt with kept going back to mgt and they would come back, like they were actually getting an approval in order to grant me the price being offered and then I get pressured & rushed when they said it's my last chance at the lowest price. Everything was felt rushed especially when they didn't even gave me ample time to read through the contract and understand it's contents so I can make myself fully aware of what I'm getting into. I was XXXX XXXX XXXX at the time, I felt my age was taken advantage of and was used to put pressure on me easily. They also had me open a credit card for this. I wasn't properly educated of the whole cancellation process, there were information that were withheld such as not informing me as to how many days to cancel. I'm having financial difficulties due to this timeshare especially right now with the situation we have on Covid, and having this timeshare just makes it worse and hard for me. It's been very stressful having to deal with this and any questions I try to ask, I can never get anyone to talk to & they never call back to provide assistance. This caused me work stress, issues like possible closure of school and unemployment. I even lose sleep over the stress of this timeshare because it was a huge mistake, and it only worsen my situation since I am the only one paying. I was never able to use this not even once, all I got is being stressed out ever since I had this timeshare. I was simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XX/XX/2023 my chime debit card was lost. Someone use my debit card and made multiple unauthorized purchases without using my PIN number. There were multiple declined transactions and 2 approved transactions because the person that took my card kept getting declined. I spoke to chime fraud department, and they created a dispute for {$88.00} that same day and cancelled my debt and credit cards. They told me it would take 90 days to come up with a resolution. 

XX/XX/2023. They emailed me and said Theres nothing they can do and that my case is closed. I want my money back. chime never told us that if we lose a debit card, someone can still use it in a store without using the 4 digit secure pin number.
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified EXPERIAN AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add Experian and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (TX)

I leased an apartment for my father. - My father completed the lease and went on a month to month lease. While staying in the apartment my father had several issues, such as a dead mouse in the Air Conditioner and the last item that caused him to leave was a full flood of the apartment due to a maintenance issue. My father alerted the apartment complex in verbal and written communication, that due to the flood he would be leaving the apartment since it was not livable. It wasn't until we were contact by an attorneys office did we have any information that they had sent me to a collections company for not giving 30 days notice. I have tried to dispute this with the attorney and the apartment complex several times.
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (TN)

I never applied for a loan and made so many disputes since this showed on my report..I never had a loan from this Heights Finance/ XXXX to miss a payment. My payment history was 100 % before they reported that I had an account with them and then started hurting my credit with 30 to 60 days late payment knowing that the monthly payment as they stated is {$86.00}. I have larger amounts to pay my car loans and some of my credit cards and kept a 100 % payment history before this happened..If it was mine, I would've never risked my credit going bad and I would've paid it all off. But this account in Fraudulent.

During m phone call to this company, I was informed that they send pre approved checks to mail boxes and they sent it to my previous address that I left earlier this year. So no credit application, no risk assessment and when the check went to an old address and God knows what happened with it..They started putting it on my report and I started disputing for inaccuracies first but when thy started blaming me for late payment getting my 100 % payment down to 98 %, I realised that this is Fraud.

Please ask this company if they have any credit application from me, studied my credit worthiness, risk assessment or even made sure the check went to the right correct address and I know for a fact that none of these criteria for lending were satisfied.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Accelerated Creditors Services, Inc (OH)

There is an agreement between XXXX XXXX and provider of ambulance service. I double checked with XXXX and was advised that I do not owe any amount above what was agreed upon, therefore was advised not to make any additional payments to them.
Consumer complaint received 2021-03-16
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: 1st Franklin Financial Corporation (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2023-03-14
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. (MD)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose. 

Subsection I state that transactions are not included in the Consumer Report
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (SD)

Being over charged for escrow payments. Have request reanalysis for escrow 3 times. 
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.
Consumer complaint received 2023-02-10
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. (OH)

In accordance with the Fair Credit Reporting act 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, Dept of ed/ XXXX # XXXX, US Department of Edu XXXX XXXX, XXXX  XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-16
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: CBC Companies, Inc. (IL)

INNOVIS HAS RECIEVED MANY MAIL CERTIFIED DISPUTE LETTERS FROM ME. 
THEY HAVE ACCOUNT # XXXX LISTED AS A XXXX BANKRUPTCY DISMISSED, I CLOSED ACCOUNT # XXXX. I NEVERED FILED BANKRUPTCY, THEY HAVE A MIX FILE
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cadence Bank (TN)

BancorpSouth Mortgage Is Breaking Federal Rules My payments have not been credited correctly in a timelymanorand I have not receivedmy last statement. Even though I alwayspay waymore than enough, It always shows that my account is overdue. 

Someone called me and said they would freeze my mortgage account if I kept paying partial payments, ( even though I pay more than half due twice per month and I always have more than enough to cover my mortagage payment on the date due ). Example : {$900.00} mortgage bill, I would pay {$500.00} the month before it was due on the 1st, then pay {$500.00} the month before on the XXXX. Totaling to {$1000.00}, 15 days before my bill is acutally due ( {$100.00} over what I owe ) I told her I need to know more information because I am paying way more than what I owe and that I've never had a late payment. I explained that she needs to outline in my contract where it says I can not pay this way and she said that the contract does not specify that but if i continue to make payments like this, that i will acquire late fees and blows to my credit score that will not be reversable.

She also said she would send a letter to me and have her manager call me. I have received neither of those and then they froze my account.

I called again and the manager told me she would unfreeze my account as long as I make payments in full then send in another payment for any extra that I want to pay. I agreed even though they are breaking federal rules.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX  and Bank of America continue to list me as having an active Bank of America account, which is actually in my ex-spouse 's name. I have twice filed a dispute with XXXX  and Bank of America, and Bank of America rejected my first dispute out of hand ( XXXX ) and the second is pending ( XXXX ), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this Bank of America account. I offered to send proof of divorce or other supporting documentation to Experian and BofA, and BofA merely denied the dispute with no reason. When I contacted Bank of America directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because BofA erroneously refuse to remove this account from my report.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

XX/XX/2021 amount {$170.00}. I contacted the company with a invoice for the violations an cease an desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy 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 non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (VA)

The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2023-02-02
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. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX  now!
Consumer complaint received 2023-07-31
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. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-31
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

My husband and I applied with our mortgage company, BB & T Home Mortgage, to refinance our mortgage on XX/XX/2020. During that process we were charged twice for an appraisal and a credit report. We paid by check # XXXX dated XX/XX/2020, the amount of {$560.00}, and originally with our Visa Debit Card on XX/XX/2020, the amount of {$560.00}. They only obtained one appraisal and one credit report, and we are simply asking to be refunded in the amount of {$560.00}. We have asked repeated and to date have not received a refund.
Consumer complaint received 2023-03-14
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-02
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. (MI)

To whom it may concern, Experian continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Experian have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, XXXX XXXX