davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (CA)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-12-17
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. (NV)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card services : 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 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

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

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (FL)

No dates needed... only you need to review these sites for blatant lies affecting peoples credit scores. The company XXXX is a " broker '' for auto loans, and states everywhere within its site that they take only soft inquires and " no credit score impacted ''. Please visit mytresl.com to review. Terms and conditions link at bottom of page is very vague, and only states they " pull credit '', but within their site ... .and every major review company 's site, they exclaim there are no hard inquiries to credit report until someone actually applies with one of the lenders you accept. The term " soft inquiry '' is used throughout. This is obviously being pushed to every site possible by the company. The other is RateGenius. I applied through XXXX expecting soft pulls on credit, per their site, and major reviewers sites, like XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. However, I have proof of hard inquiries into my report. Looking further, one of their lenders which did a hard inquiry on my report, is XXXX and can be found at XXXX XXXX XXXX  Again, they state no hard inquiry ... and claim partnership with XXXX. Rate Genius is another site which exclaims they do not do hard pull inquiries, but diving further they at least state in their FAQ 's page that a hard pull is possible with just their simple application. However, their application term is vague and leads one to believe it'll be a soft pull until acceptance of a lender offer. Keep in mind, neither of these sites ask for social security numbers, which makes consumers feel like a soft pull is only possible. These sites are owned solely by a company called " The Savings Group '' after a merger in XXXX of XXXX It's apparent that these companies are lying to consumers by stating credit scores will not be impacted due to soft pulls, while they're clearly doing hard inquiries, impacting consumers credit scores. I have documentation to prove it. My credit report now shows multiple lenders/banks pulling hard inquiries for an auto refinance from both companies. This is unacceptable, and made worse by the trusted major financial review sites pushing this lie. All should be held liable ... The Savings Group for misleading with false statements, and the large financial reviewing companies for passing these lies on, without their legal teams vetting the info. The Savings Group needs to be addressed for substantially bad business practice.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I met all the steps to receive an HSBC bonus. As soon as I told them I was XXXX they denied my bonus even know the data showed I fully qualified. I spent months of my time, well over forty phone calls, over ten emails and around forty hours of my time to fight to get the bonus that qualified for in the first place. This firm is acting in a fraudulent manner and discriminating against peoples with disabilities.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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.

Items have been previously disputed requesting validation documents and information was not furnished. In fact 2 of the items listed had actually been deleted and reinserted without prior notification which is a violation as well.
Consumer complaint received 2021-04-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

Lakeview Loan Servicing LLC continues to contact me for payment while I am on a forbearance. They mailed me correspondence stating I was behind and had not paid my Mortage as required, while on a forbearance. I repeatedly receive automated calls to contact their company. I was told by the customers service representative that they could call during my forbearance and demand payment.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-17
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. (CA)

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. 

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  XXXX  XXXX XXXX Account number XXXX, has violated XXXX XXXX XXXX 

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.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Our property has a loan with MR. Cooper ( policy # XXXX ). We discovered that Mr Cooper had been charging us for insurance when we already had insurance on our property. We called Mr. Cooper and were informed to upload our proof of insurance to the mycoverage.com/mrcooper site. After doing so we received a refund for XXXX. However, we were also charged in XXXX. I called Mr Cooper on XX/XX/XXXX and was told the refund was going to be processed and it would take 3-5 business days before a check would be sent to my address. Nothing arrived. I called on XX/XX/XXXX and spoke with XXXX. She told me she escalated it to a XXXX XXXX XXXXXXXX and it would be resolved in 7-10 days. She told me the amount I should expect to be refunded was {$830.00}. A check was never sent. I have attempted to contact Mr Cooper since, however I can not get a live person on the phone.
Consumer complaint received 2022-12-17
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 15 U.S.C 1681 section 602 A . States I have 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.
Consumer complaint received 2022-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NC)

Received a notice from Revco Solutions about a debt owed from XXXX XXXX. I asked for verification of this loan via their website. A letter was sent with a date of service that I never visited XXXX. I am in the XXXX system so visiting XXXX would be rare. The document sent to us did not indicate insurance payment and itemization. I want to see my signature signing off to this debt and payments received along with insurance payments if this debt is true.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Purchased a hard drive from best but on credit card for {$320.00} late XX/XX/2019. 
Item was returned to store in XXXX XXXX in XXXX with an email receipt. 
Telephone with email was destroyed and was unable to recover email receipt. 
Explained this to credit company and they denied me. They must have a record somewhere.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (TN)

Dear CFPB, I am writing to file a formal complaint against Bull City Collection Agency regarding their collection practices in relation to my accounts with them, identified by account numbers XXXX and XXXX. It has come to my attention that Bull City Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Bull City Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. Bull City Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. Bull City Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. Bull City Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. Bull City Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Bull City Collection Agency cease all collection activities related to my accounts and delete the reporting of the accounts to the credit bureaus. Furthermore, if Bull City Collection Agency believes they have provided proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Bull City Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX @ XXXX I received several emails from Bank of America noting a new application for a checking account, verify email address, online and mobile banking, email address updated for which I did not do. I called Bank of America immediately and they verified my identity and closed and reported the account ands recommended that I file appropriate claims with FTC, XXXX, and credit bureaus to prevent future issues.
Consumer complaint received 2022-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (SC)

On Wednesday XX/XX/2021 I received a threat to contact my employer from an agent employed by One Main financial. She verbally stated that the company had me in a call cue and contacted everyday for XXXX weeks straight. This is harassment.
Consumer complaint received 2022-05-31
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. (TX)

XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXX Ct. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account ( XXXX ) ( XXXX ). The payment history and name section are reporting differently to Experian, XXXX, and XXXX. You have violated my consumer rights. 
Experian is reporting on time payments for XXXX, XXXX, and XXXXXXXX XXXX XXXX, then I voluntarily surrendered XXXX XXXX XXXX. XXXX is reporting on time payments for XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. XXXX is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. Experian and XXXX are reporting that it is XXXX XXXX is the account name. While XXXX is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy.

These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, 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