davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Consumer complaint received 2022-12-01
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. (CA)

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, XXXX, XXXX, AND TRANSUNION are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.
Consumer complaint received 2016-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (CA)

Northland group called me and I set up payment arrangements. For 3 years they have been taking money out of my account. In XXXX XXXX they told me my payment arrangement had ran out and that I had a balance of {$390.00} and I needed to call to make further arrangements. They had taken {$25.00} out for XXXX so I thought it was a mistake. I called them on XXXX XXXX and there was no answer so I figured since they took payment in XXXX it was nothing to worry about. They did take in XXXX so again I just assumed it was reinstated. In XXXX the company that has been taking money from the account took only {$10.00}. I called Northland group and they told me my account was moved and they have not had it since XXXX XXXX, XXXX. I told them they were still taking money form my account. I faxed them my bank statement, letters showing that the last payment they acknowledged was XXXX XXXX and the letter that I was to make new arrangements. I told them I never got a pay off letter from them and they said because it was sent back to XXXX XXXX XXXX. They also said it was not them taking the money out of my account because it did n't say their name. I called XXXX XXXX XXXX and they said it was paid in full in XXXX. My husband has to call to get a payment in full letter. I called XXXX and they gave me the number of XXXX XXXX XXXX who is responsible for taking the money out for XXXX XXXX. The phone number that the bank gave me was for a private person Who claims to know nothing about this. XXXX credit my account and then uncredited my account since this is over 90 days. In the meantime I had XXXX put a stop payment on XXXX XXXX on XXXX/XXXX/XXXX for $ XXXX.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (UT)

I was notified from ssi that they were paid me from XX/XX/XXXX threw XX/XX/XXXX I wasn't aware of this until XXXX of XXXX because I got my ssi back but I wasn't aware they were still paying me my benefits because XXXX XXXX XXXX XXXX  and usually when u go to jail they stopped the benefits so when I called the direct express they hang up on me don't let me talk to no one they send letter but the number on the letter is disconnected 3 of the letter they were supposed to give me credit back with still haven't seen anything and they got multiple cases open when there should been one dispute been treated badly that alot of money I didn't get and I provided the jail rosters showing XXXX XXXX XXXX  and not to mention there were 3 cards mailed and they wouldn't let, me know the adess they have the worst service and I've almost had a break down and the ssi is the one who told me about the money so they told, ,me to do a dispute and I filed the dispute in XX/XX/XXXX and they still won't assist me there all over the news ect from stealing people money this is government money as well as mine can someone help me
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX Account # : XXXX Balance : {$570.00}-
Consumer complaint received 2022-01-16
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: Residential Bancorp (IL)

I was talking with XXXX XXXX at Bancorp about a possible mortgage, she told me me she would not run my credit as I did not want it pulled yet. She did pull my report without my authorization. She said she thought that's what I wanted but made no effort to correct this mistake or give me a copy. I have all the emails if there is a place to forward them too.
Consumer complaint received 2019-10-07
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. (NY)

I have a Chapter XXXX Bankruptcy docket # XXXX / XXXX that is 9 years old but is still reporting on my credit. It is discharged and has been on my credit for a very long time and needs to be removed.
Consumer complaint received 2022-10-07
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}
Consumer complaint received 2021-09-24
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. (PA)

Equifax fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (UT)

This complaint is in response to another letter that I just received XX/XX/2021 from XXXX XXXX  XXXX regarding a foreclosure on my mortgage with Fay Servicing with an auction set to sell my home on XX/XX/2021. 
Back on XX/XX/2021, I had to file a complaint with CFPB against my mortgage servicer for not communicating with me regarding forbearance requests, and for doing a Loss Mitigation ( BAF ) application to help me exit forbearance and keep my home. My servicer replied to my complaint on XX/XX/2021 by saying they would allow me to complete my BAF application to assist me.

I submitted a complete BAF application on XX/XX/2021 and I requested that Fay Servicing let me know if anything was missing with my application ( please see uploaded doc ). Fay Servicing said they were backed up with processing BAF applications and that I should be patient for a review of options and or a decision. 
Because of submitting my BAF application, I was under the impression that a foreclosure auction would be suspended until after a review of options to keep my home was given by Fay Servicing. Instead, I received zero response from Fay Servicing regarding my BAF application and was foreclosed on without any notification on XX/XX/2021. 
Now that there is a date for the sale of my home by public auction on XX/XX/2021, Fay Servicing will not help me keep my home by saying they don't have enough time to review my BAF application before my home is auctioned off...?
Consumer complaint received 2022-10-07
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. (GA)

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**** 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
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. (NC)

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (PA)

I let Santander know that I never got a car with their company. This is an allegedly debt. I didnt even possess a drivers license when they reported that this alleged debt was created. How can you finance a car without a drivers license. This is sad an a extreme case of identity theft. They sold the debt to XXXX capital. XXXX XXXX says I dont owe them because I let them know that this was identity theft. Santander still tells me that even though they sold it we not attempting to collecting but until we receive payment well continue to report delinquency. So its reporting on my consumer report as a repossession and charge offs every month. Ridiculous
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Where do I begin. I have been a loyal customer of CitiBank and over the course of the last 5-10 years I have opened disputes with them against fraudulent billing from merchants. The number of disputes must have been in the range of 24-30 and NOT A SINGLE dispute was ruled in my favor despite my spending countless hours pursuing disputes with them. All they are interested in is bilking customers under the guise of helping because their real customers are the merchants.

I want something to be done against these big banks and especially CitiBank because I don't come across anybody complaining about other banks. I am just sick of it and I have lost lost a lot of money since I have been with them. Enough is enough. 

Please render some justice here. 

Thanks XXXX
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

My credit limit with USAA has be {$14000.00} until XXXX XXXX, XXXX .... My credit limit was reduced to {$500.00} on XXXX XXXX, XXXX ... They claim it was combination of usage and credit report. I have a XXXX score with XXXX and XXXX with XXXX. I monitor my credit report monthly with subscriptions with XXXX and XXXX .... I have never been late or made minimal payments .... I pay of balances quickly ... .. I do use the USAA credit card. I had a {$3100.00} balance in XXXX XXXX that I paid off before XXXX. Made {$150.00} purchase in XXXX XXXX and paid it off in XXXX XXXX ... .. Its a military exclusive membership only bank ( USAA ). I was drafted in the XXXX 's processed for service and then cancelled because of military pulling out of XXXX. My son served in the XXXX. I believe that USAA is trying to get me to cancel my membership by lowering my limit from {$14.00}, XXXX to {$500.00}. I spoke to several people with USAA that could not explain with any detail. I believe this is a bias racial action by a staff member of USAA. I have an excellent credit history own XXXX homes and a rental and have a personal yearly income of over $ {$83000.00} ... I spoke to XXXX ( USAA ID # XXXX ) this morning an executive personal member for USAA ... I believe this was a racial action.
Consumer complaint received 2022-11-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account 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
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

This complaint is regarding the cryptocurrency exchange Gemini and i have been using this exchange from XXXX XXXX XXXX. 

On XX/XX/21 and XX/XX/21 I used the exchange to buy {$1000.00} of the crypto token BarnBridge ( Ticker : BOND ). Both transactions were for {$500.00} each. 

The average price of the token ( blended rate for both transactions ) was {$27.00} per token. 

On XX/XX/21, the price of the token rose to > {$40.00} per token, reaching as high as {$55.00} per token. During this time, i made multiple attempts to sell my tokens and was unable to due to some arbitrary limit set by the exchange on my sell order ( please see picture evidence attached ). Surprisingly, while the price was fluctuating, it seems like i was unable to sell when the price was > {$40.00} but able to sell it mins later when the price was < {$40.00}! 

I am attaching 3 imagines here : - Picture 1 shows inability to sell at XXXX EST when the price was {$48.00}. 
- Picture 2 shows ability to sell at XXXX EST when the price was XXXX {$37.00}. 
- XXXX XXXX shows inability to sell at XXXX EST when the price rose to {$45.00}. 

The error i kept getting when the price was high was that i can only sell a minuscule amount, amounting to ~10 $! However when the price was low ( {$37.00} ) it was allowing me to sell my entire position. 

This seems like a breach of contract that the company has engaged in when not allowing me to access the market! Please look into it.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (KS)

I received a letter in the mail asking that I send ( snail mail ) or fax an original utility bill or bank statement, front and back copy of my social security card and from and back of my drivers license. I called their customer service and told them I do not feel comfortable mailing or faxing this kind of personal information. I am worried about identity theft. I asked if they had a secure portal to submit such information. They said no. I spoke to a manager also. Same answers. When I asked what triggered this letter, they said they are updating my file. I dont know why they need this info, but if I could securely submit it, I would.