davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (CO)

Equifax seems to have released my personal identifying information, including Social Security number and credit card numbers, to unknown persons as part of the 2017 " hack ''. They should compensate me for my time and trouble monitoring and scrubbing information about me in their database in the months to come.
Consumer complaint received 2024-02-19
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

A payoff was requested of XXXXPHH Mortgage. They requested a copy of the appraisal in order to issue the payoff. Their repeated requests are unreasonable and not legal according to my new lender XXXX XXXX Bank. I have a loan approval that has expired due to the continued incompetence of all involved at both the payoff department and XXXX department at PHH mortgage. Contact information XXXX, XXXX, XXXX. They are illegally requesting the appraiser falsify the appraisal report to show the home is a three bedroom, where it is currently showing as a two bedroom simply because of hallway access to a bathroom. An addendum is attached to the appraisal explaining the two versus three bedroom discrepancy.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Discharged chapter 7 should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (MS)

MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX
Consumer complaint received 2021-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. please help
Consumer complaint received 2017-10-17
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. (FL)

department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which ante
dates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  XXXX : Account # XXXX XXXX XXXXXXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?
Consumer complaint received 2017-09-08
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. (CO)

Equifax information breach. I checked the impact of my personal information and received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-09-13
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. (AZ)

Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Hi.I made a clothing purchase with XXXX XXXX, who then offered a line of credit through XXXX XXXX. Three days after receiving the clothes, I returned to XXXX XXXX for a full refund. XXXX XXXX denied receiving the return. Finally, after a few months and many phone calls and documentation, they agreed it was returned and promised to take the charge off my account, from day one, through XXXX. They also told me to call XXXX to give them an update and to waive late payments/finance charges and said they 'd do the same. I did just that and XXXX rep said it would take 3 days, but they would note it and wipe out the balance on my account. 

This did n't happen and I continually get hounded by XXXX for late fees and finance charge on an account that had a balance for 3 days. I 've talked until I 'm blue in the face and have provided documentation, but they will only erase one month of late fees. Keep in mind this is all over a {$120.00} original purchase and I 'm now in over in {$60.00} in fees from the bank. The supervisors I talked to today ( XX/XX/2017 ) at XXXX are employee number XXXX and her supervisor # XXXX. They are adamant that I owe them late fees plus finance charges.
Consumer complaint received 2017-09-08
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. (OR)

Equifax negligently handled my personal data. According to Equifax, I have been effected by the recent breach of data. The company did not take proper precautions to my name, dob, ssn, address and drivers license information. 

It is not possible for this to be undone. My information is out there and I will be at risk for have my identity stolen from now on. 

I have put a freeze on my credit information in an effort to protect myself. Nothing has been done my Equifax to resolve this information.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I recently had contacted the FDIC and they had directed me to the XXXX. Back months ago I had noticed that there was money missing from my bank account. At least {$8000.00} dollars. I looked through all of the deposits and withdraws listed on my bank 's web site. I could not find any indications of money being withdrawn, transferred or otherwise. I called them a few times and requested printed out copies of all transactions. I looked through everything and could not find any amounts that would help pinpoint the missing money. I had spoken to several different people at the bank I deal with and they could not provide me with any answers. I had gotten to the point of a bit of frustration and had not called them in a few months. So basically I was getting nowhere with speaking to them on the phone. What it has seemed is that they can not offer help or assist me with remedying this ongoing issue.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (PA)

I have a loan with UAC/CARHOP with account number : XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-04-21
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. (CO)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

this complain is for the collection practices regarding the in store card for XXXX XXXX via Comenity Bank. This month i was XXXX week last paying my card - i had a health issue but that is neither here nor there. on day XXXX that i was late ( btw first time i was late ) Comenity started calling me every hour on the hour starting at XXXX pst and usually ending around XXXX - they have XXXX different numbers they are using and then a restricted XXXX which they think apparently gives them carte blanche for phone harassment since i can not identify the number but i know it is them - along with their other numbers they call on the hour - every hour - every day Monday thru Sunday. - last time i checked this was phone harassment - they leave no message and now have also started texting me - again i was XXXX WEEK LATE and as soon as i got my next paycheck i scheduled the payment. i have all the calls on my phone and think this is ridiculous. a few years ago i was late by a few months with my XXXX XXXX XXXX and they called me twice during that whole time. every hour on the hour is harassment and i want to file a compliant they ca n't do!
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been working with all XXXX  credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (MD)

During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.
Consumer complaint received 2017-09-13
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. (MA)

On XXXX/XXXX/XXXX, I tried to place a freeze on my account at XXXX on-line and got a message that I would have to send my SSN, DOB, name and address to XXXX to obtain a credit freeze even though I had already entered the requested information on the website. Given the breach, the company should be permitting people to immediately obtain credit freezes.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP (NY)

Foster & Garbus , LLP, is a collection agency operating as a Law Office. Pursuant to 15 USC 1692e ( B ) ( 3 ), A lawyer ( s ) can not operate as a debt collector. By Foster & Garbus serving me with court papers and issuing a lien where I domiciled, made finances very difficult on my personal life, a unrebutted Affidavit of Truth was sent to them asking them to validate the debt. Instead of them responding back to me, they sent the CFPB a letter, which I have included in my documents to show. Forster and Garbus is a debt collector operating as a law firm, that false and misrepresentation. Which is illegal, forced and tricked me into paying a debt that they allege I owed, to get a lien removed from where I domiciled. By serving me and having me to believe I was in a actual legal suit, Forster & Garbus , LLP was in violation of 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. And ; On XXXX XXXX XXXX, the Department of Financial Services ( DFS ) announce charges against Forster & Garbus , LLP, Debt Collector for unlawfully pursuing debts after failing to prove right to collect. This a practice of Forster & Garbus, LLP and in XXXX XXXX, the unlawful acts finally caught up to them. I have asked them to provide proof pursuant to 15 USC 1692g, request to validate the debt line by line and I have not received that information as yet.

This is the 2nd notice being sent to Forster and Garbus LLP, requesting them to validate the debt, let the record show that Forster & Garbus LLP. Received my documents via certified mail on XXXX XXXX XXXX which they signed for and instead of responding to me the consumer. They responded to the CFPB and their response is labeled Exihibit B, also notice they did not respond or attempt to answer any of the question pursuant to 15 USC 1692g Validation of Debt.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WA)

I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks XXXX XXXX
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been working with all three credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I do not have a signed contract nor any contract with AMSHER COLLECTION SERVICES. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with AMSHER COLLECTION SERVICES. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I would like to add to my Complaint # XXXX regarding Bank of America. I was contacted immediately from the bank regarding my first complaint and I was assigned a rep that would help me with my modification. I was told that I needed to resend my Husbands payroll records which I sent to them. I received a call from another person at the bank that my modification was again denied because they could not read my Husbands payroll records therefore they were only using my income. This is ridiculous, instead of denying me they should have called and asked me to resend it. I am so sick and tired of dealing with Bank Of America.
Consumer complaint received 2017-09-13
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. (MI)

I have been notified that I am involved in the XXXX dispute. I wish to freeze my accounts at all three bureaus. XXXX and Experian offer online locks, both websites were unable to process my online request. My attempt was made on XXXX/2017. I also tried to call Experian and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX XXXX  online service. This worries me, because they say to unlock the freeze online, but their online services are never working.