davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint Regarding XXXX Bank, Equifax, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with XXXX Bank XXXX Equifax, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with XXXX Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, XXXX Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, Equifax recently dropped my credit score by XXXX points and XXXX XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both XXXX Bank and Equifax. Specifically, I request the following actions : Equifax Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review XXXX Bank 's response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Consumer complaint received 2023-02-06
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. (FL)

I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (NY)

i applied for a loan for my sons college tuition with XXXX XXXX they said they would use XXXX  now there are over XXXX  hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i also went to a car dealership they they said they would only use XXXX now there are over XXXX  hard inquiries on my credit report. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CT)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-03-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I became ill last year and was unable to pay my mortgage because I was off from work. I have become delinquent and my home is set for a property foreclosure sale. I have requested mortgage assistance several times, the mortgage company has been difficult to work with me and refused to help me save my home
Consumer complaint received 2018-11-07
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. (ID)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (MI)

I am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX  Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX  asking for information about me. Inappropriate and I believe not allowed under the collection laws.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2023-02-06
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. (FL)

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 XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, XXXX Account name : # XXXX XXXX XXXX -Account XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX  XXXX, Account # XXXX XXXX Account Name : 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 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 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

My mortgage obligation to Shellpoint Mortgaging Servicing was paid in full on XX/XX/XXXX. In spite of my written requests to Shellpoint dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Shellpoint has failed to my requests for a reconciliation of my loan payoff demand compared with the correct mortgage balance as determined from my books and records. I believe that I am owed additional refund amounts, and can not get Shellpoint to substantively respond to my requests, other than to send a form letter acknowledging the existence of my requests. 


I attach copies of the final escrow settlement statement dated XX/XX/XXXX, showing an escrow demand amount of {$570000.00}, and copies of XXXX checks from Shellpoint Mortgaging Servicing in the amounts of {$630.00} ( dated XX/XX/XXXX ) and {$2.00} ( dated XX/XX/XXXX ), respectively, for a combined amount of {$6600.00}, issued to me as escrow refund and unapplied disbursement. 


In addition, Shellpoint has filed to issue XXXX XXXX, Mortgage XXXX Statement, for XXXX, required to be delivered to me not later than XX/XX/XXXX.
Consumer complaint received 2023-02-05
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. (GA)

Continuation of XXXX. 
I wrote Equifax showing them their own website, XXXX, shows my XXXX Score XXXX score as XXXX, the same as XXXX and Bank XXXX XXXX, but they are still reporting my XXXX Score XXXX score to XXXX XXXX as only XXXX ( letter attached ).
Consumer complaint received 2020-03-07
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. (CA)

On XX/XX/2020 I provided my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report
Consumer complaint received 2020-03-06
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: ALLY FINANCIAL INC. (TX)

I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
Consumer complaint received 2023-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. 
Collections showing amount owed when account is closed. 
Students loans showing when they have been paid and XXXX balance. 
Medical bills that were covered by insurance and provided all documentation
Consumer complaint received 2023-02-05
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: TD BANK US HOLDING COMPANY (CA)

I received mail from XXXX  XXXX XXXX in mid XXXX asking for further information before they could issue me a credit card. I knew that I had not applied for credit anywhere recently, so I checked my credit report on XXXX. I discovered that multiple hard inquiries were made and that a XXXX XXXXXXXX with a {$3200.00} limit was successfully opened on XX/XX/2022 with a {$3200.00} limit. 

XXXX  XXXX XXXX : I let them know the application was fraud. No further action needed TD/Samsung : XXXX tried calling multiple times and kept getting transferred to the different departments/companies. I was able to find out that the card was used at XXXX XXXX. I called XXXX XXXX and was told that the purchased product had already been picked up and there was nothing they could do. This card still shows as open on my XXXX and has a {$2800.00} balance which is affecting my credit score. I have been unable to get this card closed. 

XXXX : I put security freezes on my file. I disputed my hard inquiries with XXXX and they removed them from my report. XXXX advised to make a report here.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a Loan modification in 2009 because of financial hardship having being furloughed from the state of CA, ( I was employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX CA ) Wells Fargo Bank did not grant the loan modification instead put the house on a Short sale and sold the home for little or nothing to a XXXX person. 
The sale company hussled me and gave XXXX the home in a very quick manner
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I open an account with Suntrust on XXXX or XXXX. I had an account with XXXX  XXXX XXXX. Within two days XXXX and XXXX, I XXXX money to my Suntrust account from my XXXX  XXXX XXXX account to fund it. The amount was XXXX dollars. 

On Friday, I access the account to set up bill bay and it stated my account was restricted. I immediately contacted them and found out my account was closed due to rules and regulations and that I will have to wait at least 15 days and I may receive my funds. I ask to speak with the Suntrust supervisor to see if anything can be done, in order to get my money. They advise that nothing can be done. I even ask if I can go to the branch to receive the funds due to that was most of my money and I had a little on my me. 

They advise that they couldn't do anything and if applicable I will be mail a check of what ever the amount is
Consumer complaint received 2020-03-06
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. (HI)

XXXX/ XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. They need to remove XXXX XXXX XXXX XXXX  XX/XX/XXXX fraud ... XXXX  /XXXX fraud XX/XX/XXXX. XXXX inquire XX/XX/XXXX
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

I have received a letter from Dynamic Recovery Solution regarding a past payment due to a medical bill from XXXX XXXX XXXX. My XXXX ID # is XXXX and supplemental health insurance XXXX XXXX XXXX Policy # XXXX should completely cover the costs of my medical treatments and hospitals. 
If you have any questions please contact me at XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint against XXXX XXXX XXXX Account Number XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. OnXXXX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX XXXX. Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-03-21
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. (AZ)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-05
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. (MO)

Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (OH)

I have been trying to reset my password to access my online account for over 30 days. I have spoken with Destiny Card ( Genesis Financial Services ) Customer Service 4 times in the 30 days. Each time they tell they will submit the issue to their IT and I should try again in 24 hours. Done this four times. Unable to access my account.
Consumer complaint received 2023-05-12
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. (CA)

They are reporting inquiries that do not belong to me or that I have never applied for. 

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
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX XXXX citi diamond secured card 1. i sent in a {$200.00} Deposit for a secured Citicard 2. after 2 months i lost my job and called to cancel the card 3. the balance at that moment was XXXX $ 3a. because this was a secured card the balance was to be deducted from the {$200.00} deposit leaving me a {$70.00} refund.

4. next month i received a billing statement account was still open and a {$28.00} late free was added to the balance. i called them again and asked if the call was being recorded? Yes! I lost my job, please close this account.

5. the woman stated she wanted to leave the account open another 30 days just in case there were more charges. NO NO NO, there are no more charges, i do not consent. i need this account closed.

6. the next month i received another bill for an additional late charge six months of late charges after i closed the account!!!!

7. the card is now over the {$200.00} limit and continues to accrude fees 8. by the time the XXXX $ security deposit is added the balance is now around 20 {$9.00} they waited two billing cycles and now there is a balance of XXXX $ all late fees and interest and i have not spend a dime had they cancelled the card when i requested in XXXX they would have owed me money. 
10. i can only assume that FDIC insurance works both ways and they were collecting from the government.