davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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. (FL)

On XX/XX/2021 I sent Equifax a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 2 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes 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.

I never gave EQUIFAX written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Clearly, federal law requires Equifax to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.
Consumer complaint received 2023-03-18
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. (OR)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I had a permanent credit freeze on my credit report. I signed up through experian to have a thing where they alert me in changes to my report I felt they were not doing anything for me so I cancelled this they were charging XXXX a month. So the next day I got an email from them telling me they unfroze my account for cancelling my member ship. Now in order to get the freeze reinstated i had to join and pay life alert and now my fee is XXXX a month. I feel this is really not fair or right. Before I paid nothing for the freeze now i have to pay XXXX and have life alert. i had life alert before and they let things slip like once i applied for a credit card and they never notified me about it when i contacted them they said we cant moniter everything I thought then why am i paying you {$300.00} a year if people can still open accounts in my name. My roomate stole my social security card several years ago so that is why i want a permanet freeze on my account.
Consumer complaint received 2023-03-18
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}
Consumer complaint received 2018-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc. (WI)

My car was due Thursday brite financial is calling me on every phone number listed to harass me. I attempted to make a payment arrangement for the following week and it was denied because i cant make a partial payment. They told me they can call me every day as often as they like until account is current. Its 2 days over due?
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (PA)

I am writing to delete the following information in my file .the items I need deleted are listed in the report. 
I am a victim, of identity theft and did not make the charge .I ask that the items be deleted to correct report. 
I recently got my credit and found information on my credit that don't belong me.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello this is XXXX XXXX. I am, again, forced to submit a complaint in response to the yet again stonewalling received from Bank of America. Yesterday my mother received an email from a gentleman named XXXX XXXX, who is the Senior Resolution Specialist under BoA 's employ, asking me to call him to again get what should've been dealt with nearly a month ago resolved. And just like with XXXX XXXX, he was also 'conveniently ' not at his desk when I called both yesterday after receiving the email and today. 

XXXX XXXX XXXX has stated in his email that if we do not contact him within 48 hours he will consider the matter closed, and it's becoming increasingly apparent that Bank of America 's resolution department is and has been actively avoiding me and my family and has no intention of removing a stop payment from a legitimate check that was deposited on the XXXX of XXXX. 

Earlier today me and my family went to a funeral home in XXXX MA to arrange the cremation of my father, and unless some money comes our way ( like say {$2800.00} ), it will be VERY difficult to take care of those costs and anything else we might need. We will also be contacting the Federal Reserve as well tomorrow, and we hope that both of you guys will finally put this to bed.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

IVE had a problem with this company before [ XXXX ] XX/XX/XXXX XXXX XXXX  withdrew funds from my account back in [ XX/XX/XXXX XXXX and XXXX and XXXX a dispute was file the total amount was return to my bank account capatil one bank, XX/XX/XXXX XXXX  posted a bill for {$900.00} and was paid this was for the funds for the {$200.00}, {$250.00}, {$250.00} paidXXXX  XXXX XXXX XXXX XXXXXXXX withdrew {$710.00} from my bank account again when XXXX received the total amount back in XXXX XXXX they should have contacted XXXX that the bill was paid they didn't and now XXXX have been over paid because XXXX XXXX  and XXXX didn't communicate with one another, now i want a refund.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IMPROPER USE OF CREDIT REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (FL)

IMPROPER USE OF CREDIT REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had issue with there Computer system and i had wire money XXXX XXXX XXXX  to my Daughter and it was never deposit into her account. Each employee of the Wells Fargo are very rude and hang up and do not do their job the way they are to do it. i have an attorney on this case and no one well have a job at Wells Fargo and sending emails after they made a mistake on wire transfer and not getting the job done right away
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.
Consumer complaint received 2023-03-18
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. (CA)

On XXXX XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXXAccount Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In response to the CFPB closing my complaint on XXXX, regarding incorrect addresses on my credit report - the CFPB stated We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicate that there are incorrect items listed on your credit report. You are requesting these items be removed. Regarding two addresses, according to our records, the disputed information does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. However I have pulled my credit report on XX/XX/2022, 2 days after the CFPB closed the compliant and on the attached Experian credit report both of the erroneous addresses still exist. So either the CFPB did not adequately review my credit report, the CFPB did not actually review my credit report, or Experian gave an erroneous credit report.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION (FL)

On XXXX22 we were victims of a scam, they used our Suncoast credit union account to cash over {$5000.00} in checks and the credit union is holding us responsible. Even though when we were contacted by the thieves, we called and verified that they were affiliated with Suncoast credit union and they had recommended us for the credit building services.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
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. (OH)

I am XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and there is no third party involved. Experian Informations Solutions Inc. has inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.
Consumer complaint received 2022-04-27
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. (AL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I already reached out to the credit bureaus and to WILSHIRE CONSUMER CRED for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc. (TX)

Tower loan company trying to collect a loan that I have no idea about. I informed them and they sent a form for me to fill out which they can do an investigation to see who actually cash out the check. I didn't receive any information from Them again only to know they ve sent to to credit report and now it showing on my credit. I have no idea what loan they are talking about. I never received any check from them.
Consumer complaint received 2022-05-13
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. (FL)

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

My lender increased my bill {$680.00} to begin XX/XX/2021. I was notified XX/XX/XXXX, I called and spoke with 6 agents who have yet to provide me an answer as to why. My escrow account payment has increased {$680.00} and I already pay the required $ XXXX  monthly payment to escrow. There has been no change to my insurance and I have a property tax exemption that I forward to my lender as proof. I have demanded answers and a call back and no one has returned my call. I can not afford a sudden monthly increase of {$680.00} due in 12 days.
Consumer complaint received 2019-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

My mortgage company is overcharging me for PMI insurance. When the XXXX payment was paid on XX/XX/2019 IAO {$1000.00} by XXXX felt below XXXX. %, New Rez continue to charged a PMI payment for {$57.00} on XX/XX/2019, afterwards I paid {$24000.00} towards the principal and i was charged another PMI payment on XX/XX/2019 when my XXXX was below XXXX %. I called and complaint and no response, continued to call them but they demanded for me to submit the request in writing to cancel the PMI. I find this discriminatory it supposed to be automatic. As of today, I see no resolution from my lender, i feel that my PMI should have dropped automatically after my XXXX reached below XXXX   % in addition i never missed a single payment on my mortgage. Please help me get this cancel and get a refunds for the 2 PMI payments the owed me back to my account.