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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Due to missed payments on our mortgage, we applied for a loan modification to XXXX XXXX  in mid XXXX The application was being processed, and had gotten to the point at which ALL DOCUMENTS WERE RECIEVED, and the process was moving forward. We kept checking in with XXXX XXXX and they kept saying nothing else was needed. Then close to the end of XXXX, we checked again, to be told that our loan was being transferred to RUSHMORE LOAN MANAGEMENT, and they can not give us any information. I called Rushmore, and they informed me that they do not have all the documents from the prior Servicer, so we would have to wait. We were advised by Rushmore, that the entire transfer process takes 30 days. We still kept calling and for about 3 weeks, were still being told that they dont have all the documents from XXXX XXXX and we still have to wait. All THIS TIME WE WERE SHUT OUT OF THE PROCESS, THERE WAS A PENDING SALE DATE OF XX/XX/XXXX! 

Then someone called us back from Rushmore and asked us to resend the documents to them, as they still did not get all the documents from XXXX XXXX. They also asked us to send the insurance declaration page. We sent all the documents they requested, BEFORE the 37 days window! Then I called this morning to follow up on the modification, and was told that the process was closed out because they did not get the documents requested. The agent did confirm that they received the documents we sent BEFORE the 37 days window, but says he did not see the insurance declaration page, so they closed it out because they didnt see that page. Fact is, we sent the declaration page, which apparently didnt transmit properly, which is normal, when sending documents. They could have told us they didnt get that one document and I would have immediately resent it. I asked the agent if the bank had called to inform us that that page was missing, or even sent a letter, and HE REFUSED TO ANSWER THAT QUESTION. 

So now, why should we stand the consequence of the BOTH banks delaying our modification process, with a sale date pending??? We called many times but none of the banks were able to give us any info, because of the pending transfer, and we were told they needed 30 days. The time lost during the transfer should have been given back to us, by extending the sale date. THIS IS NOT FAIR.
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: Experian Information Solutions Inc. (FL)

I am submitting this information on my behalf because Experian has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX ***THIS IS NOT A DUPLICATE COMPLAINT XXXX XXXX DIRECTLY REQUESTED THAT WE FILE THIS WITH CFPB, OCC , XXXX AND XXXX XXXX  OFFICE. 

The short sale was started XX/XX/XXXX with SLS. ( ( Please see previous CFPB complaints that have been cross-filed with XXXX XXXX, XXXX and XXXX XXXX office, attached. ) ) Today, XX/XX/XXXX SLSs Underwriting Department required a cash contribution from the borrower. This request is a violation of California State Law. Additionally, the borrower is a minority. SLS has no regard for Federal or State Law, nor servicing guidelines. 

**All of this is well after the buyer accepted their most recent counter offer on XX/XX/XXXX. This should never have gone back to underwriting review it should have gone out for an approval, since the counter offer was met. This is just another example of SLS dragging out decisioning to line their pockets with increased default servicing fees. 

SLS has already been fined for these same issues, yet they keep violating Federal and State Law. When is something going to be done about this? 


CC : 1. XXXX XXXX 2. OAG 3. XXXX XXXXs 4. OCC
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Lender Inc (CA)

I was prompted by this company to open a loan to increase my credit score. {$50.00} a month payment for 12 months. After about 6 months of making payments they offered me a secured Visa card on line using my deposited funds and charging me {$25.00} which was never disclosed. The card was opened in XXXX of XXXX. The account was only online. I never received monthly billing. In XXXX of XXXX I received one 30 day late from this company. I went back and reviewed all the online activity and noticed that I had consequently made monthly payments in XXXX, XXXX and XXXX. When I called the company to go over this they said since you were one day late on the payment in XXXX and XXXX ( possibly due to the time zone me being in PST ). That the 30 day rule according to there card stands. I tried explaining to the agent that technically for me to get a 30 day on the account the payment would need to be missed 31 days from the due date. They chuckled and said no that's not how this card works. I tried several times to get action from this company and ended up paying off the account and never received my deposit back for the secured card of the credit builder account. They assured me I would be receiving funds of {$550.00} but have not yet. I request the 30 day late be removed from my account and my deposit be refunded immediately. 

Sjncerely, XXXX XXXX
Consumer complaint received 2022-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I live in XXXX, Alabama. 
On XX/XX/2022, someone walked into a Regions bank in XXXX, Indiana and used 2 forms of fake ID posing as me. 
They withdrew {$6200.00} from my savings account. I have the same name as my mother and they went to a second branch in XXXX 30 minutes difference and stole {$6500.00} from my XXXX year old mothers checking account. I discovered this and my mom and I went to a local Regions bank in XXXX to report it. They saw that it was obvious fraud and turned it over to investigations and said the money would be back in our new accounts in 2 weeks. 5 weeks have passed and no return has been made. After the first 3 weeks I called the branch in XXXX and talked to the branch manager who knew nothing about it. 
He looked it all up and said that the XXXX branch had not had us fill out the proper fraud forms so my mom and I returned to the bank and filled out the forms. 
Now it has been 5 weeks total since we reported this to Regions and we keep getting excuses and un returned phone calls and apologies but no return of the money. 
We now have an attorney involved because we have exhausted all other reasonable means and our patience is gone. We dont understand why they claim to be FDIC covered if this is how they respond. It is not our fault that 3 weeks went by and nothing was done because Regions bank failed to have us fill out the correct forms. We can not get anyone at the bank or the security department or their fraud department to act like this is a pressing issue. 
My mother and I believe that {$12000.00} stolen is a big issue and we feel they are in violation of FDIC. We understand an investigation is going on but they should make the customer whole in the meantime. We have been loyal customers of Regions bank for decades.
Consumer complaint received 2022-12-17
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 am disputing these accounts below. They are not mine, and are fraudulent. There are a lot of inconsistencies in the reporting of them. 


XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account number : XXXX open date inconsistent and or duplicate account. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX open date inconsistent XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX inconsistent not mine. 
XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 



I did not give them my consent to report.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is supposed to cover. Furthermore, I am military personnel with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I dont ask to VERIFY the following accounts. By LAW 15 USC 1681 EB you cant furnish inaccurate information on my consumer report. You need to provide PROVE OF THESE LATE PAYMENTS. I need disclosures and Experian must abide by the conditions and compliance of the law 15 USC 1666B : Time to make payments. 
COPY OF THE LAW : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide a copy of the letter with tracking number sent by creditor with periodic statement including the information by section 1637B for each alleged late payment 21 days before payment due date. 
If you are unable to send me PROVE then delete these late payments IMMEDIATELY. 

PUBLIC RECORD BANKRUPTCY ACCOUNT XXXX You are committing FRAUD. 
The Report Letter # XXXX for XXXX XXXX you stated AGAIN that you verify this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX DELETED THIS ACCOUNT XXXX ON XX/XX/2023 because information was inaccurate and unverifiable. See attached letter from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (CA)

I basically had a case for carrying a XXXX but I fought the case for 6 months and ended up getting it dropped to XXXX Which is why I was on XXXX XXXX XXXX XXXX for a long time. Long story short Im about to finish my XXXX in a couple months, but that information about it being a XXXX is false because it was dropped to XXXX so that shouldnt be on my record.
Consumer complaint received 2022-06-04
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. (TX)

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : XXXX. Tracking # XXXX XXXX # XXXX XXXX # XXXX I MADE A CFPB Complaint About violations from the bureaus XXXX. # XXXX ( EXPERIAN ) XXXX. # XXXX ( XXXX XXXX ) XXXX. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OH)

Purchased XXXX netspend prepaid cards yesterday, yesterday on XX/XX/2022. Called XXXX Netspend customer service, last night to activate the cards and they were activated. Today I receive an email from netspend.com customer service that my cards ending in XXXX, XXXX, XXXX, XXXX, and XXXX are unable to be fully activated and are closed now. in store locally. On each card I deposited a sum of {$450.00} and there was a card activation fee of {$2.00} for each one as well. This is well over {$2000.00} that I spent on Netspend.com cards. I went home yesterday and went through the process of activating these cards and XXXX of the XXXX I was able to activate successfully. Netspend only allows XXXX active netspend cards per social security number and so when I attempted to activate the fifth card, I was prompted to call customer service to complete the activation of the last card. After waiting on hold for a customer service representative for over an hour, the representative attempted to activate my XXXX card, however she was unable to. She informed me that my account was locked and I'd have to send in the necessary documentation to XXXX in order to unlock my account. I sent in a picture of my active drivers license, social security card, and a utility bill as requested and awaited the reinstatement of my account. This afternoon, I received an email from Netspend corporation 's email that my accounts can not be activated and will be closed. I am unable to access the funds within my accounts totaling ( {$2200.00} ). And rather will have to wait almost two weeks for a check in the mail for my funds. This is unnacceptable as it is the begininning of the month, I have bills to pay, a start-up business that I am establishing and family to support. Not to mention, I never at any time violated Netspend 's terms of service for their cards and accounts! This is robbery to take over {$2000.00} from a customer for over two weeks and they have not even violated the terms of use for the services advertised. I am requesting immediate access to the funds within my cards so that I can withdraw them and cease from using Netspend.com services for the forseeable future.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Crediting Act XXXX  Account Name : 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 an account without my written instructions.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is reporting XXXX different addresses on my credit report that doesn't belong to me XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX are not my addresses
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX  Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want XXXX  and Experian to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court.
Consumer complaint received 2017-10-10
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. (CA)

Writing to this company last XX/XX/XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XX/XX/XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated. There is also item such XXXX XXXX which has been removed by the other bureaus and this company refuses to remove.