davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (CA)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-04-29
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. (NY)

In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX  which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX XXXX Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX  which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diverse Funding Associates LLC (OH)

DNF Associates LLC aka XXXX has been contacting me through email, without proper use of the FDCPA. 

They have never proven ownership of the debt nor have their quit contacting me, after I went through the XXXX 

They have ignored my requests for information. The debt below attached is in question, which on my report doesn't show they own, but will be past the statute of limitations soon.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

I started the process to remove my mortgage PMI on XX/XX/21 with FlagStar Bank after they sent me a C-4 Annual Notice PMI disclosure - steps to remove it. I've lived in my home three years, made extra payments, made significant improvements, home values have increased, on-time payment history. I followed the steps sent to me by the lender by sending an email to initiate the request to " XXXX '' On XX/XX/21, I received a letter detailing next steps and requesting a check for {$150.00} to complete a home valuation. That was completed and an onsite home valuation was completed XX/XX/21 by a broker- XXXX XXXX. He had a XXXX hour turn around to report his findings, get paid for his services and confirmed to me on XX/XX/21 it was done. Out of his hands. 

My letter said I'll be notified within 30 calendar days after we receive property evaluation. Well, as of XX/XX/21- they haven't received it. 

I called FlagStar Bank XX/XX/21 for status update and they said there was a note as of XX/XX/21XXXX XXXX XXXX  didn't have an update on the home valuation. FlagStar said it was out of their hands. I need to wait more time - first call said 30 days - from the home valuation. 

I've done everything I can do and it seems like my request to remove PMI is unnecessarily delayed for unknown reasons, everyone is saying it's out of our hands and I can't get a proper status update. Feel like someone has dropped the ball.
Consumer complaint received 2021-06-08
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. (IL)

these bureaus are falsely reporting alleged debt which is a 15 usc 1681a ( 2 ) ( B ) violation. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below and I have yet to receive a response after 30 days which is another violation under the FCRA
Consumer complaint received 2020-10-20
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One 360 has restricted a perfectly good working loyal customer bank account for no reason. I have been a loyal customer for 5 years now and I was surprise my account was restricted. As everyone does i have bills to be paid and my money is hold and I can not even deposit to use XXXX to send payments. I have called the company over the phone and email 10 times now and they are not doing a thing about it. I just want the account to unrestricted and working now immediately!!!
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was Not made aware this was on line banking only when I opened and that I would have No Access to this Account Due to my XXXX XXXX I have had a XXXX income for 15 years USAA is responsible to Notify me I will have No Access to Monitor and Manage my Account. to remain safe. and protected
Consumer complaint received 2021-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (SC)

On XX/XX/XXXX, I received communication at my location information from BRIDGECRESTXXXX XXXX XXXX, an unknown third-party debt collector, that had a name that is not legally mines however had my property listed in the communication. The communication had language was obscene and threatening to me. Language threatening to steal my automobile if I did not pay them. These threats and demands caused me immediate XXXX and concern as I have no contract with BRIDGECREST/XXXX XXXX XXXX, nor have I had any communication with BRIDGECREST/XXXX XXXX XXXX to give them consent to have my nonpublic personal information. BRIDGECREST/XXXX XXXX XXXX has used my nonpublic personal information to commit identity theft to create a debt in a name that is not legally mines. BRIDGECREST/XXXX  XXXX XXXX has committed fraud in an attempt to collect on an alleged debt for which I do not owe. These actions have caused me to be anxious and distraught. BRIDGECREST/XXXXXXXX  XXXX XXXX has illegally furnished this fraudulent account to my consumer reports. This inaccurate information is weighing against my credit standing, credit worthiness, credit capacity, character and reputation. These willful intentional acts are criminal in its means. I have filed a police report with my local police department, XXXX XXXX XXXX Department Report # XXXX and with the Federal Trade Commission Report # XXXX. BRIDGECREST/XXXX  XXXX XXXX has violated several federally protected consumer credit protection laws under title 15 chapter 41 and several federally protected crimes and procedures laws under title 18. On XX/XX/XXXX I mailed BRIDGECREST/XXXX XXXX XXXX an affidavit of truth with exhibits verified under the penalty of perjury, a cease and desist demanding all communication to cease, a debt validation letter pursuant to 15 USC 1692g and an invoice for all damages and actual damages they have caused. I also included a copy of my police report filed with my local law enforcement agency and a copy of the identity theft report I filed with the FTC. I have attached a copies of all the documents that was sent along with a copy of the mail receipt.
Consumer complaint received 2021-06-08
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. (TX)

Dear XXXX XXXX XXXX ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXX DUAL CARDClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XXXX XX/XX/XXXX PLCCClosed Closed on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (CO)

Hunter Warfield {$4400.00} XX/XX/2020. 
Disputed an error on the amount and nothing was done by company. The balance owed is {$2300.00}. 
They contacted my family members various of times even AFTER setting a payment plan with them.
Consumer complaint received 2024-03-21
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Longbridge Financial, LLC (VA)

The home was going into foreclosure because of taxes and homeowners insurance. I spoke with the company multiple times about the issues being resolved ( waiting on tax relief and sending in insurance documents ) and they informed me that the foreclosure process would be on hold until these things were taken care of. They property went into foreclosure anyway and it was sold without my knowledge. They lied to me during the whole process and then said there was nothing they could do. Had they not lied I could have gone ahead and paid the amount and then try to get reimbursed once the correct amounts were updated, but I could have figured that out later. I confirmed with them multiple times that the foreclosure process would be on hold and they assured me of so. I even spoke with them the day before and was about to wire the first payment of funds but they told me to hold off and transferred me to another department to check on insurance before I did so. As I said had I knew that they were lying I would have went ahead and paid. I would rather overpay that putting an XXXX  and his grandchildren out on the streets. They put the home up for auction to be bought the same day not even a sign in the front yard to warn us or give us a opportunity to bid and win it back. Because of the false reassurance they gave we were under the impression that we could have had this rectified and handled before it went that far.
Consumer complaint received 2024-03-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC (UT)

They claim that I took out a personal loan in XXXX XXXX XXXX which is incorrect I even called the company who said the loan was taken out in and XXXX. So they're trying to report it on my creditors from XXXX when it was done in XXXX and should be removed from my credit this year but they're trying to lie and say that it wasn't so they can keep it on for another XXXX  years
Consumer complaint received 2022-10-14
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. (TN)

XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with XXXX and Experian had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Consumer complaint received 2022-04-29
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. (NY)

In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX  XXXX. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Consumer complaint received 2021-06-08
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. (PA)

Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -TRANSUNION XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (TX)

I have Regions bank personal checking account. After opening account for so many days also I can not : 1. Login to online banking 2. NO ATM/Debit card PIN Calling regions customer service toll free # is around 45+ minutes wait and no success even after that. 
I have no idea why Regions make it so difficult for the customers to do something like this. 
Talked to Regions bank on XXXX XX/XX/2021. No success. They sent an email to reset the ID etc ... but nothing works.
Consumer complaint received 2021-06-08
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. (DE)

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report.

-- -- -TRANSUNION -- -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (CA)

The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

I opened a checking account with chase bank and my funds cleared and I tried to XXXX  money and it froze my account up and they will not release my money to me it's around XXXX XXXX dollars please have them send me my money it's been almost a year now this is not right what chase has done to me
Consumer complaint received 2020-11-05
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. (CA)

I am trying to rent at apartment so today XXXX/XXXX/2020 I applied at XXXX  XXXX  XXXX and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Consumer complaint received 2018-02-11
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. (GA)

I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.