davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

XXXX XXXX  initiated an inquiry on XXXX ChexSystems report on XX/XX/2017 that as of the filing of this complaint was still on my report which goes against their own policy of removing inquiries after two years. There are two other inquiries from 2 different banks that are also 2 years or older.
Consumer complaint received 2024-03-22
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. (IL)

My name is XXXX XXXX and I'm contacting you to convey my frustration over the lack of action taken after reporting my identity theft for the third time. Despite my repeated efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation leaves me feeling like my consumer rights are being disregarded. As the victim, I'm left without the necessary assistance or response from the entities overseeing credit reporting. If immediate action isn't taken, I'll be forced to take legal steps.
Consumer complaint received 2020-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

Homebidge Financial Services and XXXX are my mortgage service company. I have made all my payments on time and those payments posted to my account summary and the last payment for XX/XX/2020 posted on XX/XX/2020, and 3 days later I received an email from Cenlar telling me I am in FORBEARANCE. I never asked to be in forbearance. The website has forbearance information on the Mortgage account page which does not allow you to advance to your account without clicking on the CLICK HERE section, I clicked it so that I could get to my account and make a payment and 3 days later I received a forbearance email so I called XXXX the only number available and they began to give me the runaround, telling me that they will get someone to fix it, put me on hold for hours at a time then disconnecting me. I have been calling them since XX/XX/XXXX to fix this issue and each time they say/do the same thing. They say " Please hold while I get someone to fix this issue '' then they put me on hold, they come back after about 15 min and say " Please continue holding '' then put me on hold again and this goes on for hours EVERY DAY. They have been sending me letters saying if I do not make my payment or fill out the forbearance paperwork that my house will go into foreclosure. Each time I call them I tell them I never asked for the forbearance and I want them to fix it, take it off of my mortgage and put my payments back on my mortgage. Today I was told by XXXX employee # XXXX ( probably fake name and # ) that she is going to put in the notes that I asked them to remove my mortgage payments so that my account will be delinquent, I told her that is a fraud and she said that is what she is going to do then she put me on hold and disconnected me.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage responded to my XX/XX/21 complaint and said they would no longer have their insurance company send me letters regarding my flood insurance because they agreed my coverage meets the terms of the mortgage. 

Today, they added a - {$1300.00} to my escrow account for them buying a new flood insurance policy. 

This makes no sense. They already agreed my flood insurance meets the terms of mortgage.
Consumer complaint received 2020-09-28
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. (NY)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, XXXX U.S.C. 1681c-, And police report. 
after number of request by me. Experian, Equifax and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair  Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Consumer complaint received 2023-03-03
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. (IN)

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

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

XXXX XXXX Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX  Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX Acct # XXXX {$770.00}. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A. Section 2 : States a consumer reporting agency can not furnish an 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 7 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 the information is inaccurate.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Consumer complaint received 2023-05-18
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

CapitalOne aggressively markets credit cards with the " cash back '' benefit. I have several card accounts, all of which are maintained in good standing for many years. I have been fortunate to pay off most of them, and for the most part, I pay the statement balances in full each month. Some cards I use only rarely, so because I'm not gaining any " cash back '' benefits, it is inappropriate to charge an excessive annual fee. For the particular card in this complaint, with only a {$1300.00} credit limit, a {$59.00} annual fee is excessive.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I believe that Merrill Lynch, in coordination with certain employers intentionally obfuscates the disposition of 401k accounts after an employee terminates, even when the account has sufficient funds to remain in the 401k plan. 

Specifically, Merrill Lunch and XXXX issued statements that had no identifying information ( account number, etc. ) There was only an online notification that funds were moved into an IRA and no account information was given, or method to access. Their phone tree is horribly complicated and required multiple phone calls to find an agent that could setup online access so I could initiate a rollover. 

My sense is that they prey on the thousands of contractors that accumulate relatively small 401k holdings because of the small pittance that government contractors allow for matching, dissuading employees to contribute. Then effectively absconding with funds by making it very opaque where the money has gone. 

I would be happy to provide a detailed timeline, but am hoping that others have raised this concern and that an investigation has either been or will be made into these practices. 

Coincidentally, I had a similar experience with XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (VA)

i have contacted this company and inform them that this debt is mines i have also sent letters to this company and told that this debt is not mines i have no knowledge of this account and i need this debt to be remove off my credit report ASAP please contact XXXX, XXXX and XXXX  to get my debt remove from my credit report
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (SC)

Reviewed My  XXXX ,  XXXX , and   XXXX   report and say this collection from Conserve I have never had an account with Coserve nor do I owe the original creditor any money. I would need some kind of validation show how and why I owe this money.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I got an alert on my credit report that I was added as an authorized user for a Citi bank Costco credit card with a limit of {$5500.00} that I DID NOT authorize. I reached out to the credit bureau to file a dispute. Credit bureau gave me the credit card number attached to my credit report to call Citibank Costco card. I reached out to them 5 times to get some answers of how this is showing on credit report as an authorized user. Nobody will has helped resolve this. All they say to me is " I can not provide any information to you because you are not the primary card holder. '' I have explained many times that this is a fraud accountant and I did not authorize it. I asked if they could freeze the acct so my credit is not being used, yet they said they can not do so and will provide any information about the accountant. I have called many times and each person has a different answer but none of them will help resolve how I connected to this. I need help shutting down this card and finding out how it is showing on my credit reports.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fairway Independent Mortgage Corporation (GA)

I approached XXXX XXXX with questions about acquiring a loan. I was simply curious and he asked to fill out the application. I marked " no '' on the credit application and he ran my credit report anyways. I need this credit inquiry removed as it is unauthorized and I have proof its not authorized.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently did an investigation into my credit and was horrified at the discrepancies that I saw. I am a man of business and work hard to maintain my credit and these false reportings are causing a riff with not only my business but with my personal life as well. The bureaus inability to put in the work to ensure what they are reporting is accurate is creating major issues for me and I need this corrected at once.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$3000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX  XXXX Balance Owed : {$380.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX Balance Owed : {$270.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX Balance Owed : {$530.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX  XXXX Balance Owed : {$1000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - our records are revealing conflicting and incorrect information compared to other bureaus.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Hello! 

I am writing today because my account should reflect on time and in good standing of payments since XX/XX/2020. All of my student loan accounts should reflect in good standing since XX/XX/2020, there should be 3 consecutive years of the account being in good standing and not delinquent or negative.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TN)

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. 

XXXX XXXX Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 5 mos ) 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 2021-01-12
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: Credit Management Control, Inc. (TX)

I contacted credit management stating that I never had XXXX XXXX the time they stated I was living with a relative so it was impossible.. the amounts are {$450.00} and {$280.00} in XX/XX/2019.. I moved into my own place the end of XX/XX/2019and been having XXXX XXXX ever since
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting the incorrect address on my credit report. The only address that I receive mail at is XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2021-01-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$74000.00} written off. {$94000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$110000.00} written off. {$37000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record Account NameXXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit- Highest Balance {$13000.00} TermsXXXX Months Payment History FCRA VIOLAITONS NEVER LATE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$1800.00} Date OpenedXX/XX/XXXX FCRA VIOLATIONS NEVER LATE
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been dealing with Equifax for a long time. First it was a bankruptcy that was reported On my credit report that was not mines it actually belonged to my father. Now that was resolved. Im in the middle of trying to purchase a home for my family and now Equifax is reporting a alert on my file that its blocking due a dmv or police report. Not sure why this alert is there as I have never report identity left report to police or dmv. When I call Equifax states that we have no freezes or alerts but when I got dispute this alert it does not allow me to dispute this. My lender is not able to pull my report with equifax and we have already lost our home that we have built due to this.
Consumer complaint received 2023-03-03
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. (TX)

I am going to court against Experian. My lawyer XXXX XXXX XXXX in XXXX Texas will file the federal case. 

Experian continues to disregard my federal rights in several disputes/ complaints and lack of MOV in results where errors still persists after a supposed internal investigation. 

1. Experian shows a 7 year old account that is supposed to be off my report. They have also updated this account with inaccurate information. 
2. Experian continues to show errors on credit accounts and refuses to delete accounts after request and my federal legal right to have accounts removed. 
3. Experian fails to send MOV - method of validation on all requests I have sent 4. I have sent complaints to Illinois, Texas and Arizona states attorneys. I have been guided to seek damages against Experian in court.