davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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)

New Information This communication is to inform Experian to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Experian is NOT a bureau nor is it backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Experian MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Experian continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTIONS : illegally placed debt on my credit report without properly verify the debt actually belongs to me. I never received any notification on this debt, from the above company, nor did I get a chance to respond to this incorrect debt. The debt collector never allowed me a request for VALIDATION pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay this debt, and that they are legally allowed to collect any debts in my state they are in non-compliance with this request to allow me to validate this incorrect debt.to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2018-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (OH)

The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

JP MORGAN CHASE BANK IS CHARCHING ME AN ABUSIVE FEE FOR WITHDRAWING FUNDS OUT OF MY OWN ACCOUNT. XXXX FOR A XXXX WITHDRAWAL, EVEN WITH FUNDS AVAILABLE IN MY CHECKING ACCOUNT. I UNDERSTAND THERE IS A FEE WHEN PULING MONEY AT ANOTHER FIANACIAL INSTITUTION USUALLY LESS THAN XXXX DOLLARS. I BELIVE THIS PRACTICES ARE ABUSIVE AND UNFAIR TO CONSUMERS. 

REPRESENTATIVE SOPOKE WITH AT XXXX IS XXXX XXXX AND THE COMPLAINT NUMBER IS XXXX
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Pursuant to a previous complaint that was filed because they failed to timely pay our property taxes, which they held in escrow, Dovenmuehle Mortgage paid the taxes and, from their own account, the penalties, closed our escrow account as of XX/XX/2021, and promised to return the funds remaining in our escrow account ( {$3900.00} ) to us. They have not done so, apparently because they mistakenly submitted a second property tax payment, and claim they can not get a refund until XXXX. Even if they have to wait until XXXX for the refund, which is not confirmed by the XXXX County Tax Office, we should not have to wait for our funds because the mistake was theirs and the refund will be paid to them.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

After entering a large amount of personal information, I was notified that I was preapproved by Bank of America for credit card. 

Based on this, I applied for credit card and was rejected due to too many credit inquiries. 

I called Bank of America to complain and to ask them to reconsider but they said I had too many accounts in the last year. 

I am writing to CFPB because I am injured by another credit inquiry for a card i was preapproved for, but yet unable to get. 

Had i not been preapproved I would not have applied and incurred an inquiry.
Consumer complaint received 2023-04-06
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. (NV)

I have contacted Experian about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and XXXX 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 permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any 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 1 ) information is in fact inaccurate Someone needs to be held accountable for this!
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/2021 I went into be XXXX XXXX and purchased a frontal. I got the frontal installment and it was thin and not covering correctly. I went back up to the store the same day and showed the owner the hair in my head and should her it wasnt covering. She was no help. XX/XX/2021 I filed a claim with my bank about the merchandise not being as described and the owner didnt want to help. I sent pictures of text messages with the owner. XX/XX/XXXX I received a denial from the bank about my claim so now Im out of XXXX. Even thought I sent prove that the product wasnt right the bank still sided with the owner and denied my claim when clearly they can see the hair is very thin.
Consumer complaint received 2020-10-27
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. (NJ)

Equifax is reporting 6 fraudulent accounts on my credit report 1st one reporting from XX/XX/XXXX is XXXX XXXX  2nd one reporting is XXXX  XXXX  XXXX  from XX/XX/XXXX 3rd one reporting is credit first from XX/XX/XXXX 4th one reporting is XXXX  XXXX  from XX/XX/XXXX also XXXX XXXX XXXX reporting a balance of {$12000.00} these have wrong payment historys and wrong address on them not my accounts no signed contracts for any of these accounts and a XXXX XXXX  account reporting a balance of {$8900.00} none of these accounts have my address in it or signed contract please remove or I will sue for Incorrect reporting as my rights are being violated I will sue as I have the right giving to me by the fcra Equifax will provide documentation showing me what proof they have to report these accounts also XXXX XXXX  loan sr reporting a balance of {$22000.00} please show me a signed contract between this merchant and I the proof you have to report this and other accounts also there 6 inquiries that are fraudulent XXXX XXXX  XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX also thd XXXX XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX Equifax is required by proof to show me proof of the documents they have to report these accounts why they are reporting or remove these accounts if they cant verify it no e Oscar I demand a proper investigation and if these Erroneous items arent removed I will sue Equifax for incorrect reporting under the fcra
Consumer complaint received 2023-01-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Consumer complaint received 2021-07-07
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. (PA)

I called into TransUnion in mid XXXX about some unauthorized inquiries on my credit report. The rep told me that they were starting an investigation and that I would be able to get these removed. I never heard back from TransUnion following this. So on XX/XX/XXXX, I sent in several letters disputing this information. After 30 days, on XX/XX/XXXX, I did not receive a response from TransUnion. I sent in a 30 day demand to comply, demanding that action be taken because the investigation has took longer than 30 days. This is illegal. According to the Fair Credit Reporting Act, these inquiries must be removed as they are unauthorized and unverifiable. I do not want to wait any more time for a longer investigation. I am now coming to you to enforce your laws and protect the consumer.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I received communication from XXXX Collections company, regarding an owed debt to XXXX XXXX. Upon my return call, I asked what the debt was and they informed me that it was for a rental house in XXXX, Texas. I don't live in XXXX or even the county of where XXXX is located. I informed them of how Long I've lived in my city. They let me know that I would need to fill out fraud paperwork with them. They sent me the packet and also strongly encouraged me to file a place report. Which, I have done. So far, my name was the only thing used. Not my social or bank information.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MN)

I wanted to pay off my car loan which had an outstanding balance of {$8200.00} from my XXXX XXXX checking account so I logged into my US Bank website portal to do so on XX/XX/2022. The website told me in order to process a full payoff I needed to call their customer service number, which I did same day. After navigating through numerous automated menus, I was finally able to speak with a representative who told me that I could not pay off my loan in full and close my account unless I have a US Bank account. I asked how this is possible since they have been withdrawing my monthly payment of {$380.00} every month from my XXXX XXXX checking account on file for the last two years to pay off this loan. The representative said this was US Bank policy and that the only thing she could do was provide me the current loan payoff amount and address to mail a check to, and turn off my current autodraft from my bank. I said fine, i guess we will do that, but this does not seem right as interest accrues daily and so by the time the check gets to their payment processing center, the loan balance will be higher and i will still have a small balance left on my loan. I believe this is a predatory practice by US Bank to prevent their customers from paying off their loans in full, and forcing them to pay additional interest unless they open a bank account with them. This seems highly unethical to me and i believe warrants further investigation into US Bank 's loan practices. The way it is currently set up, my only choice is to mail a check to them to pay off the loan, and then i will need to follow up with them in a few weeks to verify that my account is closed out and additional interest is being charged. If I have a bank on file with US Bank I have been making payments out of, I have money available in the same bank account to pay off the loan, I should be able to do so online or over the phone all at once. Again, I believe this is a predatory practice by US Bank to prevent its loan holders from fully paying off their loans so that they can charge additional interest, and warrants further investigation and hopefully penalties for US Bank
Consumer complaint received 2023-01-04
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. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-04-07
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Phone Number ( XXXX ) XXXX Services were discontinued XX/XX/2018 and supplies were returned through XXXX at that time. I do not owe the debt.
Consumer complaint received 2023-05-23
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-07-08
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)

TRANSUNION : I have requested hard inquiries be removed from my credit report through Transunion due to being a victim of of an inquiry issue with Transunion. Fraud department/special services would not remove or properly investigate issue on the 22 inquiries that are fraudulent. The only inquiry out of the 23 that is True is the XXXX XXXX inquiry from XX/XX/2021. Special services representative would not give me any timeliness and just said we will look into it. He also told me that some would be able to be " looked at '' and others won't? When I pressed him on which ones he got flustered and could not answer. Also representative said at the end they did not and can not dispute inquiries at the end of the call after reading over all 22 inquiries. He also said multiple times to just give it some time. Very weird and vague. Not sure if he knew anything or what to say. Really shady and seemed like not true representative.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (FL)

Received alert on credit report regarding debt. Requested validation of debt. Documentation received indicating that patient responsibility is zero. However included a letter stating that although itemized balance might be XXXX your total balance has been forwarded to our office and is listed below. How can I owe XXXX but they say I owe more?
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

After recently reviewing my credit report, I noticed several inaccuracies including accounts that never belonged to me as well as accounts that are closed and are displaying they are open. One particular account is a Capital One account # XXXX last reported on XX/XX/XXXX is an account where I am listed as an authorized user. The issue with this is my  grandfather whom the account had belonged to has passed away. In addition I have reached out to Capital One on several occasions regarding this issue which they inform me that the account is no longer reporting to the credit bureaus. This account is appearing on both my XXXX  and XXXX  credit report.