davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Identity theft happened. Remove account. 
XXXX | XX/XX/2023 : Account number : N/A, Identity theft happened. Remove account.
Consumer complaint received 2023-07-24
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. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2019-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I have smelt plenty of documents to experience and they only will send a credit report I ask to investigate and tell me where they got there information from that I have a bankruptcy on my credit report and they didnt do that its just been the same update on my credit report that did not verify where that got the data its been a real hassle dealing with for over a year and nothing has been done my next step is to flie a lawsuit against experian for the false information that is placed on my report from them please get this removed from my credit report ASAP
Consumer complaint received 2023-07-24
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. (LA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2021-03-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

I tried to get a mortgage with Navy Federal Credit Union on XX/XX/2021. The application number was XXXX XXXX. The lender refused to treat my like an XXXX XXXX applicant due to me being in the XXXX XXXX serving under emergency COVID-19 orders totaling 533 days. I was told even though the regulations have changed for XXXX XXXX members on XX/XX/2021 that they did not change and would not change their unfair policies. I was refused my loan amount and countered with a significantly lower amount resulting in our family not being able to purchase a home. The lender also did not offer me the fair mortgage amount that my civilian job afforded me because I have been on orders with the military. 
I feel this treatment is unfair to all the service members who are also in my situation due to being activated to serve in the XXXX XXXX under emergency COVID-19 orders.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (FL)

This company, Phoenix Financial Services, has harassed me by multiple phone calls despite asking them to contact me via USPS mail, they have used vulgar and disgusting language and they call my relatives relentlessly. They will not tell me what the debt is allegedly for unless I confirm my personal information with them, however I will not do that as I do not know who they are or if they are a real entity. 
Recent calls : XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX, XXXX, XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ( 2 calls in the same minute ) XX/XX/2020 @ XXXX There are more calls, however I cleared my call history and the above are the only ones I did not delete. Their " employee 's '' are rude, nasty, yell at you and use vulgar language.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Several of my federal student loans are being serviced by Navient. I currently live in XXXX XXXX and as a result of the severe fires in XXXX, Navient decided to put my account of disaster forbearance without my permission or my request to do so. When I spoke with a representative about who authorized this I was told they do not need any authorization for disaster forbearance. I am still responsible for any interest on the account during this month 's forbearance. When asked whether I could withdraw the forbearance, Navient 's representative told me it was not a possibility. There are 10 million people in this county and only a small percentage were affected by the wild fires. I understand " President '' Trump has neutered your office and thus this is mostly cathartic.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. 
I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. 
Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. 
So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.
Consumer complaint received 2024-02-08
Product: Credit reporting 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 filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I spent {$110.00} at XXXX on XX/XX/2023 on my Cash App card. Money was in the account and I had gotten a direct deposit from my job as well. I had been using the card all through the month. I took a Cash App advance in XXXX. I did not get to use most of it because Cash App took the money. I inquired as to why and was told that they did not pay XXXX from the XX/XX/XXXX transaction. I was not notified of any discrepancy and per my records that transaction had been paid. I called XXXX they had not put forth any extra transaction and stated that XX/XX/XXXX transaction for the amount {$110.00} only. I sent Cash App a service request and was told that the transaction had not been paid so they took it from my balance. This is untrue. They are charging me for the balance and {$1.00} each week in interest which is usury as Texas has a 10 % limit per annum. I paid {$45.00} on the balance today but I do nog owe them the money. I need assistance with them being held accountable for deception. The statement for XXXX doesnt show the Amounts spent for each transaction so included a screen shot of a text notification from Cash App that I receive per each transaction. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

the following accts should be deleted ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX  XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXXXXXX ... .XXXX  XXXX ... .XXXX XXXX ... .XXXX   XXXX ... XXXX XXXX XXXX XXXX ...
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (WA)

Good morning. 

I was part of Equifax 's security breach. All I wanted to do was " opt out '' of Equifax 's ID Notify transfer of services to XXXX. I don't remember ever getting this notice. The only notice I received was to Enroll. See attached documents. Note that Equifax said you MUST Opt Out in order to prevent them from " sharing '' your information with XXXX. They should never be sharing any information with anyone and it is a privacy scam that I have had to spend so much time to no avail in order to Opt Out to prevent my confidential information from being shared. 

Here is the audit trail of what both of these credit reporting companies put a customer through with their intentional pingpong of phone numbers : 1. Called their listed website Opt Out Id Notify number on XX/XX/XXXX. The number listed as XXXX. 
2. Then I was told I had to call XXXX. Spoke to XXXX. XXXX said she was the wrong person and passed me to .... 
3. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX at XXXX PST. She passed me to .... 
4. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX from XXXX PST. She passed me to ... .. 
5. XXXX AGAIN ( see # 2 ) where I spoke to XXXX at XXXX. XXXX said she could do nothing and then transferred me to some number where I have been on hold for 20 minutes ( the wait was 90 minutes ). 

This is a game by credit reporting services to prevent a consumer from easily opting out of private information sharing between these Credit Reporting Companies. 

Can you advise me of a specific name and number where I can get this resolved? 
Can the CFPB do anything to prevent this horrifically poor Equifax-XXXX customer service scam from happening to other consumers? 

Thank you.
Consumer complaint received 2019-01-03
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. (GA)

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - Experian and XXXXUnknown account - XXXX on XXXX
Consumer complaint received 2022-07-19
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting a debt on my credit file I do not owe. I have never received any phone calls or anything in the mail regarding this debt. I can not verify this debt, and I am not sure why this debt has been added to my credit file. This is in clear VIOLATION of my 30 days right to dispute.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account #, XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions this is not me once again however I keep getting these negative reports and it's hurting my credit
Consumer complaint received 2023-07-15
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. (GA)

This is my NUMEROUS complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2019-04-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I did 5 dispute with Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Overton , Russell , Doerr and Donovan , LLP States that they can add interest to my debt simply because a judgment has been made on that debt. They have been charging me interest on the debt since 2011.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.