davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (CA)

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable.
Consumer complaint received 2022-05-19
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. (CA)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (CA)

This complaint concerns two mortgage servicers, both attempting to collect mortgage payments from me for the same mortgage. I have repeatedly spoken to both companies over the last two weeks and both companies insist the other company is in error. My mortgage is due in three days and I am at a loss for how to proceed. Here are the facts : My partner and I entered into a mortgage agreement for a home in California in XX/XX/2021 Finance of America C/O XXXX sent us our first mortgage statement, which we paid on or around XX/XX/2021. However, a company called XXXX XXXX XXXX ( XXXX ) issued us a welcome letter stating that as of XX/XX/2021, XXXX was now servicing our mortgage. Finance of America, however insisted that it was still servicing our mortgage. In the last two weeks of XXXX I contacted both mortgage servicers repeatedly. Finance of America and XXXX ordered us to make payments through XXXX while XXXX ordered us to make payments through XXXX. 

After getting nowhere with phone calls, on XX/XX/2021, I sent an email to both companies demanding that they resolve this issue by communicating with each other. Neither company has yet responded to the email. 

Importantly, XXXX has all of my financial information, including our mortgage application and agreement, and Social Security numbers. We are unable to tell which company is our true loan servicer. Regardless, one of the companies is falsely attempting to collect our mortgage payments. We believe we have given them sufficient time to resolve this and at least one of the companies appears grossly negligent in handling this matter.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX is assigning a mortage. XXXX has no right since it does note own the note. XXXX only keeps track of mortgages. The bank representative acting as a XXXX reperesentative is assigning the mortgage. XXXX can not assign mortgages. It does not own the note and therefore can not assign the mortgage. The bank representativce does not work for XXXX, or have the rights to assign the mortage without owning the note.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I canceled auto insurance in XX/XX/2011 for a vehicle that I no longer possess. I was told numerous times that XXXX XXXX called in and reinstated my insurance causing a XXXX bill with USAA auto insurance company. It is now over XXXX years old and they refuse to stop collecting for it. This is one variable that is illegal. Secondly, charging insurance for no vehicle. Most importantly, allowing a bank to undermine my account. 
Furthermore, I called USAA over a 100 times and they care less. I received a letter that you all stepped in regards to my closed checking accounts and USAA discriminationed against me with checking, auto loans and a secured credit card offer. My credit is stellar. Their out of control. 
I would appreciate any help at all with these matters. 

XXXX XXXX
Consumer complaint received 2021-10-29
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. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (OR)

I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (PA)

I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (PA)

I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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: Experian Information Solutions Inc. (IL)

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.

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 2022-05-19
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: Avant Holding Company, Inc. (PA)

I noticed today on my XXXX XXXX that there was a new inquiry for a credit card to Webank/Avant which I did not apply for. I alerted the company by calling them today and they were sending it to their fraud department and sending me a affidavit to fill out stating fraud.
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (TX)

I have tried to contact them several times. They keep telling me that to cancel my loan application I will need personal information which I will not give them. I never contacted or applied in the first place. I keep receiving your payment is due emails but they are deceitful as they want me to complete the loan app online to receive the loan so that I can make a payment. 

" Just in case you needed a little reminder, XXXX. 
Your next loan payment of XXXX is due on XX/XX/2019. 

To avoid any additional fees, please make sure the funds are available in your account. 

If you have any questions, please contact Customer Service. 

View Payment Schedule ''
Consumer complaint received 2022-05-19
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 (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NJ)

I had an unauthorized electronic charge of {$16.00} in my M & T bank 's checking account from an unknown XXXX account on XX/XX/2022. The charge was not from my XXXX account. I never shared this bank account info to any vendor. The bank gave me a provisional credit. And I've also reported the issue to XXXX for investigation. 

However, how could this have happened!!!! 

Even if someone mistyped the bank account info in XXXX, the bank should have noticed that the name was different and prevented electronic transfer from happening in the first place.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was sent a check to supposedly pay for equipment for a new job. I was told to send the money to the vendors. The check was sent by people who are scamming and the check was returned. I called my bank Wells Fargo and they told me there was nothing they can do and that I had to pay the funds back, which I do not have. I keep telling them I was scammed and was just told that it didnt matter because I had deposited the check. The suppose company sent me a check of {$3800.00} then they proceeded to send me another one of XXXX, I did not deposit it because I was sketched out, once I told them what I knew they were doing the messages disappeared, we were messaging via XXXX. 
This is what they sent me, through text messages- XXXX XXXX  XXXX Hello, my name is XXXX XXXX from XXXX XXXX, your resume has been approved by our company from XXXX for a XXXX XXXX XXXXXXXX The pay is $ XXXX. For more information, download XXXX XXXX XXXX XXXX and contact the HR Manager by clicking XXXX XXXX XXXX or by searching his ID XXXX XXXXXXXX and send a message to him for more info about the job and company. Your interview code is XXXX Text STOP to end Everything looked legitimate even the paperwork, that I was told to sign.
Consumer complaint received 2022-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OH)

Ad Astra collection services is reporting to the credit bureaus that I owe {$540.00} to a company that I have no affiliation with. I have disputed this collection with the credit bureaus and requested validation of the debt- which they have not provided. They have refused to remove the erroneous collection from my credit reports and it is causing damage to my credit scores and ability to qualify for an auto loan and mortgage in the near future. This is a scam company and they should be held accountable.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Creditors Specialty Northwest, Inc. (OR)

I returned a call from creditors specialty northwest incXXXX on XX/XX/22 and advised of a debt with my daughter for a rental. I was told, after the person went through a list of names before getting to my daughter, that they had spoken to her on XX/XX/22 about a settlement and that my daughter stated that she was going to look into getting a loan. I was then advised that I was going to be affected and that her boss told her not to play around with us and he would just sue us. I ended the call at that point, sent an email to request a conversation with her boss and am now filing a complaint for being threatened.
Consumer complaint received 2022-05-19
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)

I went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.