davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.
Consumer complaint received 2021-03-06
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: CURO Intermediate Holdings (NC)

I have been trying to have this account removed from my credit report for about two years now. This is not my account! I did not apply for this! I did not receive any benefit from this account. I have reached out to the company directly and I have also disputed with the Credit Bureaus directly. The most recent time I disputed this account to a credit bureau ( XXXX ), they stated that this account meets FCRA guidelines and that the company AD ADSTRA RECOVERY SERVICES, stated that the amount that was owed was incorrect. They updated the balance by XXXX dollar. It reflected on my credit update on XX/XX/XXXX. Then on XX/XX/XXXX they updated my account again stating that the balance was decreased by a XXXX. This company is trying to make it seem like I am paying on a balance that I do not owe. This is unethical. The account is not mine and this company is falsifying information and it is affecting my credit profile.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

My father, XXXX XXXX, maintained an account with BBVA Compass. I am the " pay on death beneficiary ''. Following my father 's death on XX/XX/XXXX, I contacted BBVA Compass regarding the process to close my father 's account. I was told that I needed to provide a copy of the death certificate, the " main office '' would confirm its validity ( may take 24 hours ), and I could close the account. I provided a representative of BBVA Compass a certified copy of the death certificate on XX/XX/XXXX along with my driver license. The account is still not closed a weel later! The XXXX representative s state that they are unable to locate the signature card wherein my father changed the account from single ownership to POD. Their computer records reflect this change occurred in XXXX. Closing the account should not be delayed due to XXXX ' shoddy recordkeeping! Please assist me in getting the account closed! XXXX ' " legal department '' has been " reviewing '' this situation since XXXX.
Consumer complaint received 2021-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

This company keep collecting on a debt that dont belong to me. I filed identity theft report as well. I called this company multiple times requesting signed documents that this debt belong to me. Each time they said they where putting it in the mail and I never received it. I am requesting a signed copy with my signature that I owe this debt please
Consumer complaint received 2023-03-16
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. (MI)

The three bureaus XXXX, XXXX, Experian have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the XXXX XXXX XXXX XXXXXXXX XXXX U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Consumer complaint received 2023-08-13
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (TN)

It is XX/XX/2019. Lendmark Financial has called me 20 times in the last 5 days. They have been calling and harassing me for the last two months on average of 4 calls per day. I am in a debt settlement program and they have been notified to  contact my representation, XXXX XXXX, for inquiries, but refuse to. They have threatened to sue me even though I have made 3 payments on my account since XX/XX/2019. I am a little behind, but the amount of contact I have received from this company is highly unprofessional and extremely harassing. I am considering suing Lendmark Financial for breaching the U.S. Fair Debt Collections Act of 1978 as well as filing a Protection Against Stalking / Harassment.
Consumer complaint received 2023-03-16
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. (IL)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-03-27
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: EQUIFAX, INC. (FL)

So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I've been sending in documents to the servicing company of my loan to help with a short pay so I wont lose my home. Apparently the servicer decided to withdraw my application. stating it was incomplete with no activity for 30 days. That is a lie, I have been sending documents daily to this company and if there was some thing that needed to be completed then I never received a notice stating it was incomplete. Failure on their part to notify me put me at further risk of losing my home. Since I will not be making the payments they want because of lack of funds to do so. 
I can however obtain a loan for the appraisal value and pay this company off but they would rather see me lose the home than help me retain my home.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

To whom it may concern, Im writing this letter in regard to the accounts listed below : Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account #. XXXXand Creditor : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account #. XXXX Reason : re-instated Instruction : Delete from my credit report ASAP. 

These accounts were already deleted from my credit report. Why have you re-inserted this account back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company.

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.

If I dont hear from your company within that time frame, I will file complaints with the Attorney Generals Office and the Consumer Financial Protection Bureau . I will also hire an attorney to review this matter for me. 
CC, CFPB, XXXX
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
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. (NC)

I have 2 inquiries that were made on XX/XX/2023 ( XXXX XXXX and XXXX ) that weren't authorized by me hor did I inquire I would like for these fraudulent inquiries to be removed immediately. These inquiries are being displayed on my Equifax credit report, I have disputed with Equifax but have refused to be helpful or remove fraudulent inquiries.
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX, since XXXX I have recorded history of fraudulent debt that has and continually affected my credit and my finances. As of XX/XX/XXXX, I have worked endlessly to remove yet again another fraudulent debt, this debt is a charge off of {$800.00} through XXXX XXXX XXXX. I have reached out to the bank personally by phone multiple times asking for more information as well as starting a dispute request in which they have yet to provide. Once this account has took a toll on my credit, I took this a step further and started to dispute this account with the credit bureau 's XXXX, XXXX XXXX Transunion. By law they have taken 3 days to investigate this request and have not accepted my dispute and will not delete this account. I am growing very impatient and concerned about this matter that I can not resolve on my own. By law I am given the right to take action on fraud under my name and deserve resolution with this account. I am reaching out to CFPB to help me take matters further. Attached to this request is a current report circled in yellow showing the amount and account information. 

With all due respect, XXXX XXXX
Consumer complaint received 2023-03-26
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. (OK)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

In XXXX of XXXX, I found a charge in the amount of {$66.00} on my credit card statement for a company listed as " Citizens. '' I looked the company up and found that the company is " Citizens Financial Group '' out of XXXX RI. I talked with a customer service person at XXXX, and she couldn't find an account with my name. I was transferred to several people because the charge on my CC was not authorized. I eventually talked with a supervisor that said she had the ability to search accounts by payment method, and said she removed my CC from the account ( that it was probably mis-typed in ) and that I should have my CC company dispute the charge ... which I did. I auto-pay my CC monthly, so it wasn't until XXXX of XXXX that I discovered that I was STILL being charged {$66.00} monthly. My CC company credited me back the {$66.00} for XX/XX/XXXX, but said they can't credit the charges from XXXX XXXX XX/XX/XXXX ( totaling {$530.00} ). My CC company closed that card and issued me another. 

Citizens Financial Group DOES NOT vet applications appropriately and, in my opinion, does not take fraud seriously ( I am a victim of identity theft - so this is all a nightmare I live with daily. ). They don't seem too concerned with taking money from victims of theft.
Consumer complaint received 2023-03-26
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. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-08-16
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. (NY)

I had my identification stolen and someone was able to take out a auto loan by XXXX XXXX in my name for years ago I tried to dispute it with Experian by releasing a copy of a police report and Experian and XXXX XXXX  refused to take the car loan off my credit report.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Equifax is missing information on my credit report and information needs to be modified or deleted from my credit profile. I'm also requesting an updated copy of my Equifax credit report with results to reinvestigation.
Consumer complaint received 2023-03-26
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. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX****, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, 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 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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (OK)

Vanderbilt has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called Vanderbilt and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. Vanderbilt mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the three months by spreading it out over 6 months ). I did everything that Vanderbilt told me to do. I skipped the three payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with Vanderbilt mortgage. 

Very predatory lending practices by Vanderbilt. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

XXXX XXXX XXXX