davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
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. (TN)

I am reaching out to you for help because Equifax and XXXX  refuses to raise my credit score after a bankruptcy was removed from my credit profile back in XXXX of this year. I filed chapter XXXX bankruptcy in XXXX of XXXX and paid if off within 3 years. Since that time I have incurred new credit, refinanced my mortgage, opened a new car loan, paid student loans on time, and opened several major credit cards that all paid on time. When my bankruptcy was removed in XX/XX/XXXX, I knew that my score should increase because I've opened new credit since the bankruptcy but instead Equifax and XXXX  refuses to add the points that I deserve. I have called them and pled my case however, I was told to wait 30 days and to contact each creditor under the bankruptcy from 7 years ago and ask them to remove the negative remark. The thing is there are no negative remarks because it was removed when the bankruptcy was removed. I believed that I am being discriminated against because I am a single XXXX American woman. My credit scores with all 3 bureaus, XXXX, Equifax and XXXX  were close to the same, XXXX, before the bankruptcy was removed but now there is a 30 point gap in my scores. XXXX  added the points back to my score which put me in the 700 's with my score while Equifax and XXXX  made excuses and gave me the runaround. There is no other explanation for this other than prejudice against my ethnicity and sexual orientation. I only want to received what I have worked to get and ask that my credit score is brought up to what it should be.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

Fraud and Identity Theft on my checking account. 

I received a text from Navy Federal Credit Union about Possible suspicious activity was found on your Navy Federal Credit Union account. ( text XXXX ) on XX/XX/2021 at XXXX. 

I called the very next day an spoke to someone ( do not recall name right now. ) She stated that someone was in my online account since XX/XX/2021. 

I ask why are you just now telling me this on XX/XX/2021? she stated that someone took out my mortgage payment in the amount of {$2600.00}. 
They replied we know who did it but your claim is denied because you let them have access to the account. I stated I have no idea who this person is? 

second claim was that my wife deposited {$2300.00} cents in my account then withdrew the same amount. My wife was listening to the conversation due to the fact that I record my calls and I was on speakerphone at that time. She pulled her bank statements on that date which is XX/XX/2021 and no amount of money was ever deposited in my account nor deposited back in her account from her. 
when I presented them with the facts they said you can keep pretending or denying the facts. What? 

they have yet to show me any proof from emails, texts, IP addresses, nothing and I have continued to ask for proof. They keep giving me the run around and passing me from department to department. 

I am reaching out to you prior to filing a lawsuit against them for fraud and racketeering act. ( RICO ACT ) as well as several other reasons.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: APG Financial Inc (UT)

I have called APG financial on 3 different occasions, XX/XX/XXXX XX/XX/XXXX and XXXX, asked for their credit department or an email address. They have never given me any ones number or contact information and have only told me there is nothing that they can do to resolve the issue. They have falsely reported a bankruptcy to the credit bureaus on my credit report. My account is up to date and I havent missed a payment with them to date.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NC)

CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX
Consumer complaint received 2022-03-25
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. (UT)

I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX/22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.
Consumer complaint received 2022-05-17
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

This company calls themselves Midland Credit. 

They keep calling about a credit card account in the amount of over {$500.00} that they claim I owe from 10 years ago. 

I have repeatedly asked for them to send me validation of this debt because I don't recall anything about it. 

But they just keep sending bills which is NOT proof of the supposed underlying debt. 

As of lately, they call ALL the time. 

They just dialed my phone 5 TIMES within 1 minute. 

When I called back, the person I spoke to was aggressive and insulting and I had to hang up on him because he just kept saying they have validated this debt which they never have. 

I gave him my current mailing address to send validation, but they never do. 

I'm tired of being HARASSED by these people. 

Please help! 

XXXX
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

On XX/XX/21 I paid a single upfront premium at closing for our PMI of {$2800.00}. Since closing i have paid all mortgage payments on time. On XX/XX/21 I made a {$22000.00} payment towards my principle to so that our LTV was at 80 %. On XX/XX/21 I submitted a request to cancel our PMI and request a refund for a prorated amount of the prepaid PMI premiums. On XX/XX/21 I received a response to my request and that a PMI cancelation authorization form would be sent via mail. After waiting a few weeks, i reached out to Newrez 's customer support to inquire when i would receive this letter in the mail. I was first told that they would research and to call back in 5 business days. When i called again, i was told they would resend the letter and to call back in 5 days. After some additional attempts, on XX/XX/21 i was told that the PMI was canceled but that i was not entitled to a refund because the Mortgage Insurance Certificate labeled it as " Non-Refundable. '' After more research on the Homeowners Protection Act, i called again on XX/XX/21 to dispute their finding, and spoke with XXXX, and then XXXX telling them I never received a formal letter rejecting my cancelation request, or received the PMI cancelation authorization form mentioned in their initial email response. XXXX said that she would put it in for additional research and that they would send me a letter within 7-10 business days. On XX/XX/21 i still had not received a letter or other response from Newrez and called them. I spoke to supervisor XXXX XXXX and again expressed my frustration and that i believe that who ever is reviewing the request is not appropriately applying the Homeowner 's Protection Act and the return of the unearned premiums. I asked to speak to someone in that department but was told that was not possible but that she would try to connect with that department and explain what was happening. She also gave me her contact information. On XX/XX/21 i received an email from their loan servicing department stating that the cancelation note was an error in their system and that the MI Certificate was a single premium paid upfront for the life of the loan and with no refund option. And that even if the XXXX carrier allowed for the cancelation, that i would not be entitled to a refund. There was no option to respond to this email, and when i called the number provided to me by XXXX XXXX, i received a busy tone. Again I feel that they are not properly applying the Homeowners Protection Act when reviewing and evaluating my cancelation request. I am filing a complaint with the CFPB as i do not feel further attempts to communicate with NewRez 's customer service will achieve different results.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners (CA)

Spoke with a representative back in late XXXX early XXXX and set up a payment plan, however I was facing financial hardship and wasnt able to make the payment, the representative called me I explained my situation and asked was there something else we could do to start the payments but I wasnt able to make a payment that day she told me well you have other financial obligations you have to tend to as well so how are you going to make a payment today. I said excuse me she repeated herself and said something else I then hung feeling disrespected and mistreated. A few days later another representative called me, he said we see we attempted to collect your payment but however the payment was declined and you are no longer eligible for the payment arrangements so how will you be paying the full amount. I told him I spoke with a representative prior to him calling and I was working on the matter. He cut me off and said well maam you have to make a payment today i dont know who you talked to but a payment needs to made. They call me back to back even if I let them know Im at work call in the morning they get rude, its always they dont have no previous notes, & I got called a liar from a representative telling me how they didnt call me meanwhile I have recent calls from their company number. They even call hang up then call back. How can someone collect a debt or let alone trust giving someone their money when you have customer service representatives that are very unprofessional and aggressive.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity has been stolen. I got a letter tonight saying a loan has been denied I never applied for at Bank of America, and then i checked my credit report and they tried to open multiple credit cards with XXXX, XXXX XXXX XXXX & XXXX XXXX. I am so stressed out about this and have no idea what to do.
Consumer complaint received 2022-05-17
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. (MO)

In Accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agencies 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 a open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-17
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: Early Warning Services, LLC (CA)

EARLY WARNING DISPUTE : i requested documentation to prove verification and accuracy of the following accounts they are reporting as negative XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX  XXXXXXXX XXXX XXXXXXXX they responded tjat they dont have such documentation and i need to contact the furnisher. if they dont have the documentation to prove the account they are reporting they must delete these accounts by law the following accounts that are reporting by them do not include the furnishers address or phone number or any information to contact them about starting a dispute that is a violation and these accounts must be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE following inquiries are outdated and must be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-03-25
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)

Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to Equifax updating personal information and removing names and addresses I am not associated with. Equifax is still reporting false names. 
XX/XX/2021. Letter to XXXX and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to Equifax asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, XXXX and Equifax to validate information on the report. ( XXXX ) No response as of today.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (TX)

Upon selling our home, we transferred the loan on the solar panels to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka XXXX ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.
Consumer complaint received 2015-04-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I rec 'd a letter on XXXX/XXXX/15 from TD bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges.
Consumer complaint received 2021-07-21
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)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 7/21/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.