davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (LA)

I disputed a duplicate account with XXXX and it came back updated. This account is listed twice by 2 different creditors. I disputed the old creditor first, as it was sold debt, they did not remove it. I disputed the new account and they are still reporting both debts. This is the same debt. They are also increasing the amount owed by a dollar regularly. The amount of the debt keeps increasing, which is leaving an incorrect balance on my report. I wish to have one of the accounts removed. 
XXXX XXXX is the new acct holder and is reporting a balance of XXXX, On my report under XXXX XXXX 's information, it shows that comenity/stage is the original creditor, which leads to comenity/stage as the duplicate entry, also reporting the same amount of XXXX, in which they wrote and sold the debt. the original amount owed on this account is XXXX, after payments were made in good faith to comenity in 2018. They then sold the debt for the amount owed before the payments posted and has been accruing interest (? ) ever since. 
The bureau did not actually investigate as the results came back in 3 days.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX  and Experian and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (LA)

THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXXXXXX XXXX XXXX - XX/XX/2017 XXXX XXXX X3 - XXXX XXXX ANDXX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1700.00} XXXX  XXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.
Consumer complaint received 2018-03-10
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: Source Receivables Management LLC (CA)

I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

I have a time share with XXXX XXXX in XXXX. I am suppose to receive receive invoices every XXXX years. 
I received an email notice from Monterey Financial that XXXX had turned the maintenance fee plus late fees over to them for collections. 

I did not receive any invoices. On XX/XX/XXXX, I called XXXX at XXXX. I was told that 3 invoices were sent to my old address XXXX XXXX XXXX XXXX XXXX- I have not lived there for XXXX years. I was told that my new address in XXXX was there but it was as a secondary address. Interesting as my XXXX invoice was sent to my XXXX XXXX XXXX, I was told by XXXX at XXXX that there was nothing they could do to help me- even though XXXX said the wrong address was used. He told me to contact XXXX XXXX. 
I then spoke with XXXX at XXXX. She said there is nothing she can do to help me. She referred me back to XXXX. 
I called XXXX again and got XXXX again. I asked to speak with a manager. XXXX said there is no manager to speak with at his location. I asked to speak with his boss. He told me he could not transfer me to his supervisor. I said everyone has someone above them.. I said I wanted to be transferred to whoever was above him. He then transferred me back to Monterey Financial. 

The issue is the late fee. I wil pay the maintenance fee as owed, but feel I do not owe the late fee for an error made by XXXX  by not sending the invoices to my correct address. XXXX says I must pay in full in order to have no reporting. 
No one at either firm has told me I have he right to file a complaint with CFPB. 
XXXX does have my correct address, my correct email and my correct phone number but failed on all side to communicate with me prior to sending this item to collections.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NY)

I requested information from my mortgage company to provide to NYS Housing Map. 
The application was approved by the state to assist in providing financial assistance for default taxes. 

The state has requested information from the mortgage company and to date has not received it. Once the mortgage company provides the state with the information needed, the state will payoff the default amount of taxes to the mortgage company. 

I have contacted executive services several times and no one will return a call. 
This situation now puts my residence in jeopardy of foreclosure because of the banks lack of information to provide to the state.
Consumer complaint received 2022-06-11
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. (TX)

in accordance with the fair credit reporting act XXXX account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and 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.
Consumer complaint received 2022-06-11
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. (TX)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX XXXX, 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 and 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.
Consumer complaint received 2018-04-11
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. (MS)

I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 U.S.C. 1681b - Permissible purposes of consumer reports I received my credit report & contacted the data furnisher listed informing them their were inquiries in my profile which were not authorized or done with permissible purpose. They ignored my concern with a generic response stating inquiries remain on your credit report for XXXX years The Fair Credit Reporting Act ( FCRA ) regulates consumer reports, including credit reports. Among the many prohibitions contained in the FCRA is the requirement that people using, accessing, or obtaining your credit report have a permissible purpose in doing so. 

Since their was no permissible purpose my credit profile has occurred damages Some of the damages suffered is too many credit inquiries on my credit report. Being denied credit applications or worse finance terms when borrowing money. Second, impermissible credit report access is a breach of privacy. A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. 
Most importantly, lax protections against unauthorized access and sub-par security of obtained credit reports make consumers more susceptible to identity theft and data breaches. 
After theXXXX data breach, you think Data furnishers would be more vigilant than ever about protecting consumers financial information. Those unauthorized credit inquiries are more than mere annoyance. They lead to serious financial ruin. 
The FCRA provides consumers whose credit reports have been impermissibly accessed with remedies. 
Their Negligent actions can lead to the collection of actual damages plus attorneys fees and costs. As well as me being able to prove they willfully violated my rights as a consumer and seek statutory damages of up to XXXX and punitive damage XXXX XXXX XX/XX/21 XXXX XX/XX/21
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

On XX/XX/2019, I mailed out a letter to Sagestream notifying them to freeze my SageStream report. the were in receipt of this letter on XX/XX/2019. I've yet to receive any correspondence from them. I've called repeatedly and no answer for two weeks now. please have them freeze my report immediately and have them send me in writing that this has been taken care of. thanks, XXXX XXXX.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

I've been trying to get a copy of bank statements from XX/XX/2015, XXXX to XXXX to be exact, there is a charge from XXXX in the amount of XXXX which I need to find. This information is for a fraud claim and reimbursement of it. The statement showing the charge is needed to provide to the claim administrator. The account with TD Bank is now closed, however, I do need said statements to find this charge.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.
Consumer complaint received 2021-12-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-01-29
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (MD)

Since XX/XX/XXXX thru XX/XX/XXXX, Navient has charged high interest rates despite the FEDERAL GOVERNMENT INTEREST RATES having decreased. I have documents for this time frame only, but I am also requesting that your office investigate for year XX/XX/XXXX and prior years. ( See attachments ) In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding their home equity loans. They provided with the following interest rates from XX/XX/XXXX thru XX/XX/XXXX. During this time frames the federal government interest rates dropped but Navient rates remained the same or increased. XXXX XXXX rates- XX/XX/XXXX thru XX/XX/XXXX- 4.5 % ; XX/XX/XXXX thru XX/XX/XXXX-4.75 % ; XX/XX/XXXX thru XX/XX/XXXX-5 % ; XX/XX/XXXX thru XX/XX/XXXX - 5.5 % ; XX/XX/XXXX- 5.25 %. Navient rates are WELL ABOVE the REDUCED FEDERAL GOVERNMENT RATES.

On XX/XX/XXXX, I called XXXX ( Navient employee- # XXXX ) and inquired why the interest rate was so high and higher than the federal government reduced rates due to economy. She said it was because they use the LIBOR formula for interest rates. I advised her their rates appear to be fraudulent and not in-compliance to reduced federal interest rates.

Also Navient has charged extremely high interest rates despite the REDUCED PRINCIPAL BALANCE-. EXAMPLE- XX/XX/XXXX statement- Unpaid principle- {$1000.00} with interest rate of 7.75 % ; XX/XX/XXXX-statement- Unpaid principle- {$970.00} with interest rate of 7.875 % ( see attachments )
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (MN)

I am having an issue opening a Zelle account so I can send and receive money via Zelle using my bank account. I have never opened a Zelle account. I am a victim of identity theft and have been a victim of identity theft for over XXXX years. Someone used my personal information and phone number with several financial institutions to open up a Zelle Account. The Zelle Accounts thats currently open in my name and with my phone number are all fraudulent Zelle Accounts. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/2022, my loan ( Loan # XXXX ) with LoanDepot was paid in full in conjunction with the sale of my home. I have been enrolled in autopay so that I would never miss a payment. I consented for LoanDepot to withdraw my monthly payment on the first of each month. I did not consent for LoanDepot to withdraw my monthly payment before the first of the month or after my loan was paid in full. Yet that it what happened. 

I close on a home purchase today, XX/XX/XXXX. I intended to use my home sale proceeds to purchase the home. But LoanDepot threw a wrench into that plan when it wrongfully debited {$4200.00} from my checking account on XX/XX/XXXX. The withdrawal cleared the morning of XX/XX/XXXX. This withdrawal is nonsensical - my mortgage was paid in full on XX/XX/XXXX. There was no outstanding obligation against which to apply any payment, much less {$4200.00}. 

I immediately called LoanDepot, around 7 AM, explained the situation, and requested an immediate return of my funds. LoanDepot refused to return the funds by ACH or wire. Two escalation agents told me that LoanDepot would overnight a check to me. Today, XX/XX/XXXX, I called LoanDepot to check in on the status. Two hours later, I received an email from a third escalation agent, XXXX XXXX XXXX ( phone ( XXXX ) XXXX ext. XXXX ) who informed me that LoanDepot would not take 3-5 business days to " review '' my request. This is an unfair and deceptive business practice and constitutes theft. LoanDepot had no basis to make a withdrawal against my checking account and by doing so has stolen from me.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$1400.00} Opened on- XX/XX/2016