davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (GA)

I recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XXXX and Experian is reporting an account on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened in 2003 account is still reporting although it's paid in full. But they are reporting my credit age as 4 years or so. XXXX XXXX is reporting 1 year of credit age I'm XXXX years old trying to repair my finances and credit age is a percentage of my total score.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

I received a text message from XXXX. Claiming to be Halsted Financial Services , LLC in regards to XXXX XXXX XXXX account. I have never had a XXXX XXXX XXXX account or any business dealing with that company. I have never received any bills from Fifth third bank. When I open the link, it is asking me verify my personal information as social last 4 numbers of my social security and address.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/2024 and nothing was removed and no follow-up letters were sent to me as well XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX XX/XX/2024 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX 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 2022-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I keep having trouble with this lender, my track record of complaints with CFPB proves that. 

I thought we were on the same page once again, requesting my monthly payment be lowered, modification approved and monthly mortgage payment lowered, thank you. 

Please see the following : new modification first payment due XX/XX/XXXX of {$2200.00}. in which I paid attachments will prove that, XX/XX/XXXX payment scheduled of {$2200.00}. 
notation : I had 2 XXXX in XXXX of XXXX easily proven, loosing approximately {$3800.00} in rent from my XXXX XXXX, never ever did I let the lender know that as I paid my XX/XX/XXXX, it wasn't necessary. 
Now the lender is telling me that it wasn't applied at all because of an escrow advnce balance, that they refusing to tell me the breakdown, not in my contract, also if it is taxes and homeowners insurance I could have paid that seperately, besides that is included in my monthly mortgage payments, and extra funds that go in my escrow account. 
threats have been made and put me in default and I am not Before I meet my demise, I am turning at least 300 pages, to include emails to an attorney to move forward with this company. I certainly see how 3,000 plus complaints have been made on this lender. 

I have attached copies recently received. 

Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After reviewing my credit reports I have found that my RIGHTS under the FCRA are being violated. I have the right to have 100 % accuracy with regard to information furnished on my consumer reports. There are NUMEROUS inaccuracies across the bureaus. They are : 1 ) The Date Opened across the bureaus are inconsistent 2 ) The Balance across the bureaus are inconsistent. My understanding is that a Charge-off account SHOULD NOT be reporting balancing. THEY SHOULD BE {$0.00}.

3 ) The Past Due Amounts are bureaus are inconsistent 4 ) The Last Reported dates are inconsistent 5 ) The Date Last Active is inconsistent I have attached documentation down below. 

My credit is being severely damaged and my ability to obtain new credit and purchase a new home for my family is made next to impossible.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (DC)

Comenity Bank for XXXX account is closed due to the company original company changing, so they closed it which was the grantor choice, but I was always making payments and this time missed a payment, finance charges/ interest fees/late fee charges for acct that's closed that I been paying on since 2020. Never rcvd letter it was even closing the acct. They have excessively repeatively contacted me and if you look at the history payments were on time, nothing reported as a non-payment on my credit report. This month they didn't tell me that they would report it to credit bureau and they did and that made me lose XXXX points. The payment was still made this month and it is not even XXXX for them to report a late payment or no payment for XXXX. I would like to file a complaint for them blocking their number to call me, calling me from 2-3 different numbers, and even after speaking to them that I was going to make the payment they still called me numerous times during the day, during the weekday everyday, and in on weekends. Even at night time, it was after XXXX or around XXXX a few times. According to FDCPA laws, you only can call me 7 times in a 7 day time period even if I answered or not. They are in violation. XXXX
Consumer complaint received 2022-02-26
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. (FL)

Equifax has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to Equifax and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to Equifax to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and transunion pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MI)

In an attempt to refinance our home, just days from closing, my loan processor c contacted me to say that Ocwen never recorded our existing mortgage with the XXXX County Register of Deeds. I have been calling them and requesting them to file an Affidavit of Lost Mortgage with the Register of Deeds. Every time I call I am sent to an escalation manager and am given a different story.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

As a federally protected consumer according to the laws of the United States. I am writing to you in response of your Experian 's willfulness of not complying to the law. I am now opting out any and all consent or authorization I the consumer given to your company written unwritten verbal, and non verbal past or presence and continuously. 15 USC 6801 states that it is a policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its consumer and to protect the security and confidentiality of the consumers.

The use and the sale of my personal information is against public policy. According to 15 USC 6802 I as the consumer have the right to opt out of reporting any and all personal information reported. Your company directly impacts this process by furnishing information without complying with the FCRA not have permissible purpose according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Your company hasn't yet fully complied with the FCRA and has acted negligent. Experian has not modified their reporting to be fully in compliance with the FCRA which would be all inquires and accounts deleted.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

In XXXX of 2021 I contacted my mortgage company XXXX XXXX  in reference to my property being removed from a class AE ( mandatory ) flood zone to a class x. I'm aware that they receive this information from FEMA so I ask them to remove the requirement from my mortgage so I could purchase affordable flood insurance. 

Round point related that they will not remove the requirement unless I acquire a Location Map Amendment ( LOMA ) from FEMA and provide it to them. I then reached out to FEMA and undertook a challenging process of acquiring a LOMA acknowledging that my property has indeed been reclassified as a zone x. 

On XX/XX/XXXX and XX/XX/XXXX I uploaded the letter of amendment determination document to XXXX XXXX XXXX XXXX. Since XX/XX/XXXX I have reached out to XXXXXXXX XXXX  on XXXX occasions requesting a confirmation that they have received my LOMA and to provide written confirmation that Flood insurance is no longer a requirement of my loan. 

On every occasion they have needed to resubmit my request and have provided a later date for the LOMA to be acknowledged. My last communication was on XXXX XXXX where they have acknowledged that I have requested this to be done since XX/XX/XXXX on several occasions and they have been unable to complete my request. 

Round point is unwilling to recognize the FEMA LOMA document that governs the requirement for flood insurance on my mortgage. I believe this is a unscrupulous act which is incurring an unnecessary expense for me and my family. 

If I have contacted the wrong complaint office, my apologizes, please point me in the correct direction. 

Thank you for what ever help you can provide, XXXX XXXXXXXX XXXX Loan # XXXX Name on loan - XXXX XXXX XXXXXXXX XXXX XXXX  Phone # XXXX XXXX XXXX # XXXX XXXX XXXX ( Please leave a message )
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Promotion sent to email for promotional offer of XXXX dollars if a new checking account is opened by XX/XX/2021 and XXXX of direct deposits within 90 days at Bank Of America. Talked to people on the phone from the company and they can not find the promotion.
Consumer complaint received 2023-02-22
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Please find the below are the attached ebill and payment data from/to XXXX XXXX XXXX XXXX XXXX 
As per the e bill the total amount due is {$1200.00}. I have paid {$1100.00}.

I have converted the total due amount {$1200.00} into a 6 months plan and each month i paid {$200.00} for 3 months ( total : {$610.00} ). The remaining balance is {$610.00} Later as per the discussion with XXXX XXXX XXXX XXXX representative he waiver off {$120.00} if i paid {$490.00} at a time. 

I paid {$490.00} on XX/XX/2021.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone XXXX my XXXX a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.
Consumer complaint received 2022-02-26
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. (PA)

Someone XXXX my XXXX  a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.