davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (FL)

I am a XXXX homeowner, upon the state of FL shutting down my business due to the pandemic in my most lucrative months of the year. I accepted the forbearance to lift the burden of my financial struggle to pay my mortgage. Upon completion of my forbearance I went thru an agency for assistance to pay the forbeared amount. My Servicer would not respond to the correspondence sent by the agency to obtain payment information as confirmation of my default status with my written permission attached. The agency reached out via fax, email, and mail from XX/XX/XXXX XX/XX/XXXX as a result due to no response of the servicer receipt of payment info the agency cancelled my approval and gave to another in need due to the high demand of many in my same situation. This assistance would have help yet the servicer refusal and lack of response has me in a bigger financial struggle. When I call no one can tell me anything I have been asking for my investor for over a week and the agent could not answer or knew. This is uncomfortable to say the least and the servicer is making it difficult to receive the help that is needed to resolve my hardship now that I am back to work. Until the economy is back in full operation my business will and has suffered however my kids and I should not suffer due to the lack of this servicer. I am and have been financially impacted by COVID and the servicer is giving me the runaround. No help at all just causing more unnecessary stress
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28
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 — Was not notified of investigation status or results
Company: Westlake Services, LLC (TX)

This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-02-14
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-01-21
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. (LA)

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2021 a payment was electronically transferred from XXXX XXXX XXXX in XXXX to Huntington bank for my credit card payment of {$300.00} I received an email in the middle of XXXX stating I had missed a payment I immediately sent {$200.00} thinking I had forgotten the payment via the same credit union and electronic transfer. The {$200.00} was received and applied to my account after searching my account I noticed that I had made a payment on XX/XX/XXXX and that was never applied for {$300.00} I have since been in contact with Huntington bank and after several numerous attempts I have not been able to get this resolved. I have emails dating back to XX/XX/2021 attempting to get this corrected I spoke to a supervisor at Huntington and he assured me that this was applied and corrected after I received a call from someone at Huntington I called them back and a very nice lady named XXXX XXXX was able to assist she has sent this to higher levels and increase the visibility of the complaint that I have as of this date I still have received no communication regarding my payment or the fee that was applied due to the late payment that Huntington says they never received I spoke to my credit union they advised multiple times that this payment was sent and removed from my account on XX/XX/XXXX and this issue is all on Huntington bank side. The one bright spot about this has been XXXX  across who has tried to assist I have sent them everything from XXXXXXXX XXXX  showing the transaction and date that this was removed and applied they received the {$200.00} that I immediately sent after notification of miss payment but can not say that they have received the {$300.00} payment sent on XX/XX/2021. I feel that I am getting nowhere and now reaching out to the CFPB for assistance
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account name/ # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name/ # : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX XXXX Account 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. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-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 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.
Consumer complaint received 2022-01-21
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. (TN)

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Consumer complaint received 2022-01-21
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: Santander Consumer USA Holdings Inc. (IL)

I received a credit inquiry on XXXX XXXX, 2021 from SANTANDER CONSUMER USA. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX and XXXX XXXX, 2021. I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (CA)

I submitted a dispute with Equifax on XX/XX/XXXX as of today XX/XX/XXXX I have not received an answer at all. The USPS return receipt says they got the letter, According to FCRA they must remove the item on dispute because it went over the 30 days. Attach to my dispute Im providing you with the letter I sent them also Attach to this dispute a copy of my ID and SS card to prove my identity.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

On XXXX XXXX I received an email from Chime that my account would be closed. They provided no reason and the email said that after a review of your spending account your account will be closed on XXXX XXXX. I was not able withdraw money from my account as it was closed on the same day that I was notified. The balance that was left in my account was around {$100.00}. I was unable to resolve the issue as they continued to respond by saying that bancorp monitors activity and my account was marked for closure.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

A collections company is trying to collect on a debt that was already removed by XXXX & XXXX. Not sure why this company is reporting on XXXX. I need this to be resolved by removing this off my XXXX report.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (CA)

I opened an account with Green Sky Lending on XX/XX/2018. This is showing on my credit report as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX. Phone ( XXXX ) XXXX. This account was for the purchase/financing of a XXXX XXXX manufactured & distributed by XXXX. XXXX had promised to provide a monthly participation stipen for opting into a case study for how the water helped with health ailments. In the end, the XXXX case study & XXXX XXXX was a complete scam. I reached out to the lender Green Sky to help with the situation as they had partnered with XXXX. You can find many articles addressing lawsuits against XXXX, including a Green Sky suing them for fraud. I asked Green Sky multiple times to help with this burdensome monthly payment. Green Sky told me to go ahead & hold off on making payments as they had opened & investigated a potential fraud case for loan. Unfortunately, Green Sky did not find evidence of fraud to assist with the loan balance. I only asked for assistance because they were dealing with thousands of customers experiencing the same issues. While this investigation was ongoing, Green Sky was reporting to my credit delinquencies. These late payments added up over time. I eventually paid the balance in full. I asked Green Sky to delete the account from my credit as a sign of good faith & payment in full given the circumstances. Green Sky stated they would report the account as paid in full, but could not delete the account from my credit. The late payments have hurt my score & will continue to reflect negatively. I do not feel this is fair since a good amount of the time was Green Sky investigating the allegations on my account. Again, I have paid the balance in full & I am just looking to repair my credit by removing the account. It is the least I can ask for given the nature of the fraud. Thank you & I look forward to hearing from you.
Consumer complaint received 2021-08-27
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)

This complaint is against XXXX  with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

For several months, I have been blocked in trying to obtain my annual credit report from Experian. I have tried to have this fixed through multiple calls to Experian. They have not taken the time to look into this issue. I have spent multiple hours on the phone with them with no success. I not only can not obtain my free online credit report bay can not dispute online and am having issues with lenders and potential banks due to them not being able to identify me through Experian. 

This issue has been going on for months and and I feel that it is my right to be able to obtain my actual credit report as mandated by law, Currently, I have having issues opening accounts and can not prequalify for a mortgage due to some block that Experian has on my file. My credit report is unlocked and there is no fraud alert in place. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-06
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. (NJ)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-05-10
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: Westlake Services, LLC (CA)

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with Westlake Financial Services. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (FL)

Called my employer on XX/XX/XXXX, leaving a message with my manager stating they were an attorney trying to serve me papers. Today XX/XX/XXXX, they have called 6 times already, between XXXX XXXX and now. XXXX, XXXX, XXXX, XXXX, XXXX, and starting the day at XXXX.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX