davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all 3 cra 's had taken 4 months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX  ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021
Consumer complaint received 2023-03-29
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. (WI)

Ive been disputing inaccurate/ wrong/ error information that is being reported on my XXXX Credit Report XXXX 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking XXXX to do the same so that all three bureaus are reporting the same accurate and true information. 

I want XXXX to take note of what XXXX has done upon completion of their investigation and I hope XXXX can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking XXXX to do the same!
Consumer complaint received 2021-12-02
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. (NY)

I have been working on my credit for almost a year and have been sending disputes to XXXX, equifax, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, equifax, and XXXX remove the following incorrect accounts from my credit reports : 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
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (VA)

The company Rent Debt Automated Collections ( RDAC ) located at XXXX XXXX XXXX XXXX, TN XXXX called me on XX/XX/XXXX stating I owed XXXX dollars for rent from The XXXX XXXX XXXX  in XXXX NY XXXX XXXX XXXX, XXXX, NY XXXX. 

I moved out of that apartment in XX/XX/XXXX. I was told i could move out and they kept my deposit. They never once called me or emailed me about this debt. 

RDAC did not give me a letter of debt notice. They just posted this debt to my credit report companies and then when I went to rent an apartment in XXXX DC, I was declined because of RDAC derogatory credit notice on my report.
Consumer complaint received 2019-08-14
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: Credit Karma (AZ)

I logged into my credit Karma account, and while I was online, tabs that are to show my accounts, data etc actually showed accounts that were not mine. I couldn't see my mortgage, loans or credit cards I currently have. I actually saw a completely different set of accounts. As if I were in someone elses account. With the cyber breach most companies have had, I'm really worried their system has been hacked or is incorrectly displaying my data to someone else as I got to see someone elses accounts, data etc all via my normal access that I use to log into credit Karma. I'm worried someone else is going to be able to see or worse, use my data. Please review asap!!!
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CT)

My husband has a payment arrangement worked out where comenity bank automatically deducts $ XXXX/month every month on an old debt. The payment plan was for 6 months as that was the max allowed and this was the second cycle so now payments have been made for 12 months. The last payment of {$150.00} was deducted tomorrow and today my husband and myself both received a phone call asking us to contact them immediately. I am also frustrated that every time I ask for a written statement they lie and say theyll send one and never do. I have no written confirmation of the debt to confirm the amount owed.
Consumer complaint received 2021-12-02
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. (CA)

Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (MN)

My backround check on criminal history it lists the court file and charge then stats " no court record found '' so why are you still reporting it. Under my name A.K.A 's are listed and I have never heard this name ever so I want to know how or why your linking me to somebody I've never heard of. 
So if we aren't suppose to furnish personal information like our name how are you suppose to look into it and fix it???
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

Please refer to Complaint : XXXX. The Company 's response was that they could not communicate with me and provide the information requested or respond to a Qualified Written Request. In fact, the Bankruptcy Case was DISCHARGED on XX/XX/XXXX. The authorized agent for the Creditor filed their Response to Notice of Final Cure Payment on XX/XX/XXXX and the Order Deeming Mortgage Current was filed on XX/XX/XXXX. The attached documents confirm to the US Bankruptcy Court that the Mortgage is current and stipulate a mortgage payment due on XX/XX/XXXX of {$1000.00}. Subsequent to XX/XX/XXXX, XXXX XXXX sent a Notice XXXX Mortgage Payment Change increasing the payment due by approximately {$350.00} per month. 
BSI has denied me access to their web site to pay my mortgage, but have accepted payment by phone. The staff for BSI have said they need a letter from my lawyer.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage has been holding back my home loan modification. I asked for the interest rate to be re-done since I have very good credit and they did not want to do it ( investor is not willing they told me ). Since this is a Conventional Loan. They are not willing to make any modifications on the rate to help. They said that they are modifying by placing my 5 payments at the end of my loan. I have paid my mortgage in a timely manner for over 4 months now ( I have paid my mortgage for over 10 years on time ) and I have asked them to let me know on the status of it and there is no resolution. I always get the same answer -- " WE ARE WORKING ON IT '' My statement ( attached ) shows that there is {$2700.00} as UNAPLIED PAYMENT .... am I paying interest to money that I have already payed? - Am I paying and money that is staying in a escrow account and not going into my account, while interest accrues? -- I do not how else to do do to get this resolved. I hope the XXXX XXXX XXXX help me to get this resolved or I will have to get an attorney to get some answers for me. thanks
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/19 - I noticed that there was a double charge on my account from a merchant ( when I only made 1 ), logged into my account on Barclays ' website and there were some strange messages of account past due when I had paid my latest statement in full. I called Barclays and spoke to an agent about both things and was told that I did not make any transactions between the dates XXXX-XXXX when I obviously have and was calling about them and was told that the website is working accurately. Agent refused to recognize the evidence of contrary. Agent told me his name was " XXXX '' and employee ID was XXXX. Recognizing that I wasn't getting the help I needed, I specifically asked the Agent to note my account of what he told me and ended the call. 
XX/XX/19 - I called again, I mentioned the experience that I had on the call on previous day and was met with apathy and told me there were no notes on my account. Website info is now correct, so I asked about the double charge. Agent told me that it would be credited back to me. I asked agent to note the account. 
XX/XX/19 - I noticed that I had received a credit of {$0.00} ( yes XXXX XXXX ) instead of the amount promised to me by the agent I spoke to. The agent I got this time said again there is no note on the account and when I lament my trouble, did not acknowledge them and wanted to transfer me. The transferred agent ( 2nd one on this call ) was also of no help and had to transfer me again. The 3rd agent ( id : XXXX ) I spoke to again said no note was taken but she would address the issue, so I have not seen any resolution nor do I now have any confidence that it will be fixed. 

All in all I spent hours on these calls ( including holds and IVR routing ), spoke to 5 agents, and was agitated with my experience.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

XX/XX/2022 XXXX XX/XX/2022 XXXX All from XXXX XX/XX/2022 XXXX Cashier check All taken from my account without my knowing, USAA will not solve my problem and not refund my money. Please help. I can send bank statements if needed
Consumer complaint received 2021-12-02
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 I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! Transunion, XXXX and XXXX have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

A fraudulent account was opened in my name in XX/XX/2017. After claiming identity theft, XXXX and XXXX has verified this account as fraudulent. Synchrony has continued to report to XXXX which is illegal.
Consumer complaint received 2021-07-14
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: JPMORGAN CHASE & CO. (NV)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global One Arbitration Inc. (CA)

Multiple people who I have known in the past have been called regards to a " legal claim '' and they state to them that the message should be considered as being " served '' I have never received any type of demand letter requesting me to pay anything. I spoke to " XXXX '' at Global One at XXXX
Consumer complaint received 2021-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Can you please help me file a suite against these companies for breaking the law? Last year and all of XXXX  so far I have mailed letters certified to dispute items and yet the companies break the law each time.
Consumer complaint received 2018-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/XXXX and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX , XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.
Consumer complaint received 2023-03-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I was on actived COVID 19 forebearance for XXXX XXXX  XXXX. Shellpoint Mortgage has been charging me XXXX  per month for last 6 months for property inspection fee. 

Under covid 19 forebearnce, there are not supposed to be any fees assessed to my loan which they continue to do. After I came off this COVID 19 plan, and am trying to catch up on payments I am still being assessed XXXX  per month propety inspection fee. 

Please help me.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Vance and Huffman LLC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX