davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my credit report : BANK OF AMERICA - XXXX
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (VA)

We took out the loan in XXXX of XXXX, it was for {$440.00} dollars. It is now XX/XX/XXXX, and the balance owed is STILL {$440.00} dollars despite paying {$110.00} EVERY month for almost two years taken automatically from account, except for XX/XX/XXXX as I froze the debit card they used. I did this once before, but they managed to still take the money somehow.
Consumer complaint received 2021-08-30
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: VALLEY NATIONAL BANCORP (NY)

I have these items that are not mine and i want them to be removed 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I am reaching out the CFPB for help in dealing with my mortgage servicing company, PHH Mortgage. I had reached out to PHH Mortgage back in XXXX of XXXX requesting a forbearance on my loan due to having a Covid19 related hardship after my employment was shut down through XXXX at least. PHH Mortgage stated my loan did not qualify for a forbearance. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX advising my loan was referred to foreclosure. 
I contacted PHH Mortgage again explaining Covid-19 related hardship and I was told there are no options because my loan was referred to foreclosure. 
I submitted a modification request in XX/XX/XXXX as I was back to work and able to resume making payments however, the request was denied XX/XX/XXXX. 
I do not understand why the bank will not help me or why forbearance was not an option. Like so many people here in New York as well as throughout the county was not given an option to work from home during the pandemic shut down. I did not receive any pay for six months from XX/XX/XXXX through XX/XX/XXXX. 

Now, my only option here is to reinstate the arrears owed that I can not afford which I am sure now includes foreclosure costs or lose my home to foreclosure?
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-23
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)

This is my 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
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. (IL)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation (NY)

on XX/XX/2018 i made a minimum payment to my XXXX   XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

Based on the Consumer Law, the following companies are NOT allowed to report Transaction History. A Corporation can not report transaction history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-26
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. (NC)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-22
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. (OH)

These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, Engelhardt V. Gravens ( XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (OH)

These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number:XXXX
Consumer complaint received 2021-12-14
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: CL Holdings LLC (MO)

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to Jefferson Capital in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Consumer complaint received 2023-02-21
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

XX/XX/2019 my loan was paid off with Homebridge Financial ; the escrow balance of {$3500.00} was supposed to be reimbursed  and mailed to me within 30 days of the loan being paid off. by XX/XX/XXXX, I called them to follow up on the check, and was told to wait another 2 weeks. By the end of XXXX, I was told that the wrong address was imputed on the mailing envelope and the check was returned to Homebridge. I requested a direct deposit or expedited mailing at my cost, and they declined the request. I was told the check would not be issued any time before XXXX XXXX in XX/XX/XXXX, I received an Escrow Account Disclosure Statement, but no checks. 

I been trying to reach customer service to no avail. Finally today I reach someone and was told that the check was not mailed until XXXX XXXX that is clearly way over 2 months since my loan was paid and as of today, XX/XX/2019. I do not have my refund.
Consumer complaint received 2021-12-14
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. (MD)

Every month Since XX/XX/2021 I have disputed inaccurate public record information and experian either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Experian never investigated the data they placed on my personal report thats completely harmed and hindered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I did their job for them. I investigated and attached is proof that Experian has violated me for years and Congress states I am owed damages. No courts disclose information
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, 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. (NJ)

To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as 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 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.Please provide Signed Documents .
Consumer complaint received 2023-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax XXXX XXXX and XXXX in fact what these credit rules are doing is very illegal collections on my record under the fair credit Im not getting treated fair
Consumer complaint received 2021-12-14
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. (MD)

Every month Since XX/XX/2021 I have disputed inaccurate public record information and equifax either ignored my disputes, lied regarding the validity and also admitted their investigation was fraudulent. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family friends, Congress never said you can buy bundled data electronically and that makes it accurate. Equifax never investigated the data they placed on my personal report thats completely harmed and hindered my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So, I did their job for them. I investigated and attached is proof that equifax has violated me for years and Congress states I am owed damages.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (CO)

At the First Interstate bank in XXXX XXXX, XXXX, XXXX, I have a XXXX  savings account. While I'm away XXXX XXXX, I've been trying to manage my money carefully and only making transfers when necessary. I had {$1200.00} in my savings account on XX/XX/XXXX. They withdrew XXXX dollars on XX/XX/XXXX as a monthly service fee. When I called the bank, they informed me that I could only make six transactions in a month. I never saw any notice fees when I transferred money using the app. As an illustration, I would pay {$3.00} for parking, but they would charge {$10.00} or more for each transfer. These fees would have been unknown to me at the time of the money transfer.After speaking with the bank, I was given a XXXX dollar credit ; however, this still left me with an outrageous XXXX dollars in fees for the month. I won't have nearly enough money for food and necessary school supplies for the remainder of the school year as a result of this. I think this is incredibly unfair, and I had no idea that I was being charged these fees throughout the month.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

Wells fargo continuously charged me for fees on my checking account to the point to wear i finally had to close my account out with them. The double charged for fees nsf that were not mine they never credit my account back. There was fraud on my account and they allowed a deposit to go thru and posted and then charged all these nsf fees an bank fees soi just stopped banking with them and told them im not paying you anymore money after they took my whole check XXXX month and fees ate up a lot if it. would never bank with them
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

Experian has said nothing has been updated or changed and can NOT use the title as proof that my vehicle is PAID FOR and not in repossession. Falsely saying it was repoed in XX/XX/2019 when thats when it was paid. They refuse to fix my information to accurately say what Is actually true and a proven fact! They are falsifying a legal document
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

In XXXX SWC contacted me via mail about a debt they said I owed. They offered to settle the debt for an amount close to the amount owed that I could pay online to settle this debt. I went online and paid the settlement amount listed in the letter. Two months later they are reporting to all three credit bureaus that I am late and have a balance owed. They are the ones who offered to settle not me. If that was not the case then they should have not sent the letter. I will not be robbed by this predatory company that doesnt know how to properly conduct business.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

I am being reported to credit bureau negatively for a collection from XXXX XXXX XXXX XXXX for a debt of {$1300.00} that was paid by XXXX. The company refused to delete the account from my credit report. I don't owe this debt as I had XXXX XXXX XXXX  and XXXX coverage at the time of service.
Consumer complaint received 2023-06-24
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.