davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BOA case # XXXX I last used my BOA debit card at the XXXX XXXX, XXXX XXXX, CA BOA ATM on XX/XX/XXXX. After that transaction, someone withdrew XXXX dollars in theXX/XX/XXXXarea ( unauthorized withdraw 3 times : {$900.00} each on the following dates : XX/XX/2015, and XXXX ) while I had possession of my card the entire time. I discovered this on the afternoon of the XXXX and immediately called BOA to file a claim but wasn't able to reach BOA claim department due to high call traffic. So I filed the claim on the morning of the XXXX as well as filing a police report on the XXXX at XXXX XXXX Police station ( Report # XXXX XXXX. Upon filing the claim with BOA, the representative told me he suspected this as card skimming fraud and I would receive the provisional credit and additional documents in the mail to fill out within 10 days. However, I haven't received the documents nor did I receive the provisional credit but only a letter stating my case had been closed without stating any reason on XXXX, which was written on the XXXX. Obviously, BOA did not do a proper investigation, if any, within a day. Please help to file this complaint against BOA as they have not been cooperative. 
Thank you.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX of 2020, my PayPal account was permanently limited for no reason. I have over XXXX dollars in my account balance that I am not able to withdraw at all! This is the livelihood money that I depend on and PayPal prevented me from withdrawing the money for no reason. I tried to contact the PayPal phone service but no one was available to answer due to Covid-19. Then I tried to email and send messages to the chat center but no feasible solution was given. The locked up my money illegally.
Consumer complaint received 2020-12-01
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: CBC Companies, Inc. (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2020-12-01
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: ALLY FINANCIAL INC. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 ALLY FINANCIAL CARD add a hard inquiries on my credit report per XX/XX/XXXX. 
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I refinanced my mortgage and Amerihome sent me my escrow refund and then cancelled my check in XX/XX/2020 because they claimed it was not properly endorsed. I have been trying to get a check reissued for almost a year now and they still have not done it. I have attached the stop payment notice from XXXX XXXX XXXX XXXX for the total of the check.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (FL)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH COLLINS ASSET GROUP. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NY)

Depsite having a XXXX credit score, no evictions no collections. This company reported that I had negative items on my file resulting in a denial of service ( XXXX XXXX XXXX ). 

I want a copy and i want items corrected.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunions reporting multiple incorrect address, phone number, and alien names on my credit report. Inaccurate information being reported in my credit report. 

Letter was sent to update correct information and remove false information.
Consumer complaint received 2019-03-09
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

I have been paying on a roughly {$7000.00} loan for approx. 6 years ( XX/XX/XXXX/XX/XX/XXXX ) Over HALF of my money has gone to only interest! My bill is still almost $ 5,000- after 6 YEARS!!! 
Not only that, XXXX XXXX XXXX has n't sent me paper bills or anything via mail in MULTIPLE years until just last month ( XX/XX/XXXX ) I find this extremely suspicious. The employees offer absolutely no support. They never requested ANY information updates regarding name change or email/address change. They have over 100 complaints online about accounts being mishandled and overcharged. I never received any actual information from this company regarding the loan when it originated.This is extremely unsettling. No way should half of the money be towards interest only. How is anyone supposed to get ahead in life with rotten set ups such as this.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I had some financial difficulties at the start of the Covid-19 Pandemic but never missed a mortgage payment. However, I visited XXXX XXXX website in XXXX 2020 to just request basic information about mortgage assistance options just in case things got worse. Unbeknownst to me, and without my authorization, permission or disclosure, Wells Fargo placed my loan in forbearance. My mortgage payments are auto-debited from a checking account held by Wells Fargo which has at least 3 months of payments available at all times. Without authorization or permission from me, Wells Fargo discontinued the auto-debits for my mortgage payments. 

At the same time this was occurring, I was also seeking refinance options to replace my unaffordable, adjustable-rate mortgage with Wells Fargo with a fixed-rate mortgage at the historically low interest rates. I applied with another lender and was pre-qualified for a fantastic interest rate and a much lower payment. However, in XXXX, that new lender notified me that my Wells Fargo loan was in forbearance and, therefore, I was denied and could not get the refinance loan. 

Wells Fargo has trapped me in their unaffordable, adjustable-rate mortgage and my credit is severely damaged by their wrongful forbearance scheme. 

Once I discovered their fraud, I attempted to cure the missed payments, but Wells Fargo repeatedly misapplied my cure payments. It took months just to get the cure completed. However, my credit still shows those months without payments.
Consumer complaint received 2020-12-01
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)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS is dual tracking. SLS stopped processing the short sale last week because of the upcoming XX/XX/XXXX sale date. I had an appraisal scheduled on XX/XX/XXXX and on the same day of the appraisal, SLS cancelled it because of the XX/XX/XXXX sale date. SLS told me they would not have enough time to complete the short sale before the XX/XX/XXXX sale date. SLS is supposed to ask the court for more time in order to let me finish the application. 
( i ) Requirements. If a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holi days, Satur days, and Sun days ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (LA)

CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

I have disputed the same item its XXXXXXXX XXXX XXXX. I contacted them and tried to get this settled and disputed the correct way multiple times, The company refuse to work with me. So then I disputed it on Experian three times. This last time that I tried to get this disputed I uploaded all my documentation backing up the order of dismissal that was signed by a judge in a court hearing. And I got my results in this evening and its just said that it was updated and not removed from my credit report. The order of dismissal was signed in XXXX of this year and its still there and I keep fighting to get it removed and nobody is helping me Ive contacted Experian multiple times I cant get through to an actual person Ive contacted the creditor multiple times and they refused to help me because I paid a lawyer to take this to court. I dont know what else to do at this point besides to file a complaint to try to get this removed from my credit report this is hurting me and I have paid my dues Ive got the lawyer to take it to court and we won and now they are not recognizing my legal paperwork.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I HAVE AN ACCOUNT WITH VICTORIAS SECRET WHICH WAS PLACED IN COLLECTION, AND SOLD TO ANOTHER COLLECTION AGENCY. HOWEVER IT IS SHOWING UP ON MY CREDIT REPORT TWICE, ONE TO THE ORIGINAL AND ONE TO THE NEW COLLECTION AGENCY.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (GA)

On XX/XX/2021 Binance.US locked my trading account due to a chargeback and asked me to send a picture of myself, video, pdf bank statements and send money in to cover the amount of the chargeback ( {$5000.00} ) all was done same day. Its been over a month and my account is still locked and $ XXXX plus is being held my support ticket number is # XXXX please help get my funds unlocked. XXXX XXXX