davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and on XX/XX/XXXX, MACYS/DSNB add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-15
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. (MO)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 16 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1.XXXX, XX/XX/XXXX 2.XXXX XXXX, XX/XX/XXXX 3. XXXX- card service, XX/XX/XXXX 4.XXXX XXXX, XX/XX/XXXX 5.XXXX XXXX XXXX, XX/XX/XXXX 6.XXXX XXXX  XXXX, XX/XX/XXXX 7.XXXX  XXXX, XXXX, XX/XX/XXXX 8.XXXX  XXXX, XX/XX/XXXX 9.XXXX XXXX, XXXX XXXX 10.XXXX XXXX  XXXX, XX/XX/XXXX 11.XXXX , XX/XX/XXXX 12.XXXX XXXX , XX/XX/XXXX 13.XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX  XXXX ga, XX/XX/XXXX 15.XXXX XXXX, XX/XX/XXXX 16.XXXX XXXX XXXX service, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC (MN)

Harassing phone calls XX/XX/XXXX @ XXXX Missed call XX/XX/XXXX @ XXXX Called wife and asked me to call back. 

XX/XX/XXXX @ XXXX Called and she asked about my loan. Then told me I was paid, then apologized for calling XX/XX/XXXX @ XXXX Another female called and said the first female was wrong and I owed over XXXX. I informed them that I needed to buy propane for the house and was unable to make the payment. She proceeded to pry and ask how much money I made, how much my check is and when I get paid. Accused me of fraudulently reporting my income. 

XX/XX/XXXX @ XXXX Called and accused me of refusing to pay debt, then called me a 5 year old. Stated you better find a way to pay by XXXX. She continued to ask about how often I am paid. Told me to sell my vehicle and give them the money. 

XX/XX/XXXX @ XXXX Called me and I couldnt answer because I am at work. 

XX/XX/XXXX @ XXXX Then XXXX called work, refused to tell me who she was and why she was calling. Called within seconds of each other.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

US BANK FROZE ACCESS MY ACCOUNT FOR NO REASON WITHOUT INFORMING ME AND WHEN I CALLED INTO CUSTOMER SERVICE TO SEE ACTUALLY WHAT WAS GOING ON WITH A TRANSACTION THEY FRAUD DEPARTMENT AGENT TALKED INCESSANTLY AND AS IF HIS INCOMPETENCE LED TO A PROLONGED EXTENDED DIALOUGUE OF UNNECCESSARY REPEATED INFORMATION SO MY ACCOUNT HAS BEEN LOCKED FOR A REASON I HAVE NO IDEA AND I CAN NO LONGER CONTINUE WITH THE DISPUTE I NEEDED TO FILE BECAUSE OF SOME SLOW TALKING XXXX ON THE XXXX PHONE WASTING MY XXXX XXXX XXXX XXXX XXXX XXXX TIME
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (FL)

Equifax Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. I have also provided them several copies of the police report and they have not complied in removing any of the negative information on my report.

XXXX is a fraud account I explained to them that DMV has informed me that there are 2 other individuals in XXXX   Florida that has copies of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau refused to request a copy, and continue to retain the information on my report. 
I have explained the later payment to XXXX card and the credit bureau was due to fraud and identity theft. I have spoken to discover card many times and theyve stated that they will remove it yet, its still there. I also explained to them that the information amount on the student loans is incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no type of improvement in the results. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
Consumer complaint received 2023-03-28
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. (MI)

Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

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, has violated my rights. 

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

In a ccordance 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 # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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 2018-11-28
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: EQUIFAX, INC. (MN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-15
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. (FL)

I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.
Consumer complaint received 2020-12-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

See lawsuit Almanzar et al v. Select Portfolio Servicing Inc, US District Court for the Southern District which included details on the internet regarding SPS and XXXX XXXX XXXX XXXX and reported " kickbacks ''. Numerous complaints on web including with XXXX XXXX XXXX  regarding both SPS and XXXX XXXX XXXX. Numerous complaints on not receiving refunds. 

This complaint is regarding Select Portfolio Servicing Inc. and XXXX XXXX XXXX XXXX and their force-placed insurance charged to my loan on XX/XX/XXXX for {$970.00} a certificate of insurance stating issued on XX/XX/XXXX certification period showing XX/XX/XXXX and expiration date XX/XX/XXXX. 
How can this be retroactive? What actual months should such a fee cover? 

In a letter from SPS dated XX/XX/XXXX it stated " it was not a requirement for you to be escrowed at the time of servicing transfer ''. XXXX XXXX who financed my home equity loan had told me no escrow/no insurance required. My small PRINCIPAL BALANCE SHOWN ON STATEMENT DATED XX/XX/XXXX WAS IN AMOUNT OF {$330.00}. NO INTEREST REMAINING. 
Is there a percentage or formula involved in determining force-placed insurance coverage and the principal, even if in other cases when legal and ethical? 

I made another payment in XXXX. And in XXXX MARKED A PAYMENT TO BE APPLIED TO THE REMAINING PRINCIPAL BALANCE OF {$69.00}. And, as stated above, no interest due ( actually a credit shown of {$4.00} for interest. ) SPS refuses to apply to the principal and they have charged additional fees for my not making my payment in XXXX when no interest remained. Instead they since applied the {$69.00} to the extorted insurance payment. 
IS IT LEGAL FOR SPS -- TO NOT APPLY -- MY MONTHLY PAYMENT DESIGNATED FOR THE PRINCIPAL? 

I would like a copy of service transfer agreement or contract between XXXX XXXX and SPS. And a copy of the home equity loan. 
I would like to know what credentials, certificates, and licenses that the owners and companies of SPS and XXXX XXXX XXXX must have. I will include my questions to the Texas Attorney General office. Thank you.
Consumer complaint received 2020-09-23
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: Professional Debt Mediation, Inc. (GA)

There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of XXXX XXXX. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all 3 credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.
Consumer complaint received 2023-03-28
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. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NV)

Over the course of the last 60 days, I have been receiving random text messages from a MRS collection agency. As most of us do, I disregarded the message as spam. I also have received daily calls from a local area code and again never answered thinking it was a robo call. Today, I noticed on my credit bureau a collection account from MRS for the amount of {$670.00}. A call then came in from the same local area code and I answered it. It was this MRS collection agency. They stated I owed {$670.00} on cable boxes from XXXX XXXX. I told them the house where those were located was sold over a year ago and my ex wife was to have returned them as I do not have them. They demanded the {$670.00}. I asked if they ever sent a bill or 30 day notice as required by the State of Nevada and they stated it was sent to the old address. I complained that I was unware of the liability since I was never, ever notified and by law I had 30 days to dispute or pay it upon receiving the letter. I told the collection agent that I am more than capable of paying the bill but that they violated FTC and Nevada collection laws by not sending notification. They said they attempted to contact me numerous times on the number they called on today. I said I never answered the call, nor did they ever leave a voicemail. More importantly, I asked why they were using " trickery '' by calling on a local 775 area code number, when they are located in New Jersey. She gave no answer to this deceptive practice. I told them I know nothing of the bill but I would pay it but first I wanted it immediately and permanently removed from my credit profile ( not just showing paid in full ) but they refused. I would like the CFPB to please contact them, have them completely remove it from the three credit bureaus ( not just show it was paid ) and protect my consumer rights. I believe a fine against them for deceptive practices would be appropriate. They have now harmed my stellar credit.
Consumer complaint received 2022-02-16
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. (PA)

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear CFPB Team I owned a Bank of America Credit Card for almost 4 years and have used it often for my regular purchases. recently on XXXX of XX/XX/2018 I responded to an advert on XXXX from XXXX XXXX about about buy one get one lXXXX XXXX   for {$4.00} and I felt it was a good offer and went ahead to purchase it using direct link from XXXX. on the XXXX XXXX page I placed the order and received receipt for {$4.00} and an email stating that my order is through. but there was no mention of my end pair of leggings. I promptly sent email to XXXX XXXX on XXXX of XX/XX/2018 stating the bill is incorrect coz I placed order during offer. There was no response to that and I wasn't sure what to do. I hadn't received the product until XX/XX/2018 and on XXXX of XXXX I wrote to XXXX XXXX  that the leggings were not my size and I don't k what to do. again there was no response and by now I had numerous charges on my account from XXXX XXXX  and I tried to call them @ XXXX but there was no response and then I reached out to bank and requested them to block the merchant which they couldnt and then I asked them to cancel my card and ship me new one. which they did I had changed my credit card thrice and somehow XXXX XXXX got hold of my new credit card and kept charging me {$49.00} monthly and by now I had 5 transactions of {$4.00} and 3 transaction of {$49.00} totaling my bill to {$170.00} and they shipped me 3 leggings without my  consent. and there was no response to my emails or my calls I explained this whole thing to my banker and they raised complaints but kept closing them on me and also said the time has gone by when they could have acted upon and merchant claims that I enrolled in some VIP program ( Which I did not and their claims are base less and they have numerous complaints on XXXX from folks who had issue with the way XXXX XXXX  in doing business ). am attaching document which has more info about my claims and amounts charged by XXXX XXXX. I got another number of XXXX XXXX  from BOA and contacted them and they assured to refund me {$64.00} and I did not see that coming through. BOA says they can not do anything in this matter coz merchant delivered product, whereas I never authorized those transactions and I changed my credit card too. so this is unauthorized transaction and I should be getting refund of {$140.00} from BOA. Also out of frustration I closed my account altogether coz this is becoming never ending saga for me.