davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
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. (NC)

I sent letters to the bureau inquiring about my account months ago. They have not responded to my issues and are disregarding a regular consumer dispute. This is very frustrating to have to worry about my credit while in the midst of a pandemic.
Consumer complaint received 2020-06-23
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. (MS)

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Consumer complaint received 2019-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/2018 I disputed this account with XXXX  with Experian in the amount of of {$8200.00} and Experian. Experian told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and Experian has violated FCRA 611. I requested that Experian not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from Experian even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.
Consumer complaint received 2017-10-03
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. (KS)

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts.  I 've sent XXXX, Experian, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (AL)

Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either Experian promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXXExperian product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Camino Financial Inc. (WA)

Calling 10 to 15 times a day, sending text messages from different numbers and different names calling friends and family showing up to my house with letters that are spelled incorrectly. My name is spelled incorrectly, sending multiple different people to my house, threatening, legal action, calling, and texting my spouse. Sending messages and emails in a completely different language.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

I reached out on Monday, XX/XX/XXXX to UAS to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. 

At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. have already provided proof of my enrollment and would be happy to provide any other supporting evidence. If they need further information from the school, UAS needs to contact the appropriate people/offices and do so, in a timely manner. I have never had any issue or difficulty getting someone to verify me enrollment status. And I will no longer wait idly while UAS 's incompetence continues to affect my credit.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19.

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future.

Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law.

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX  & Equifax are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX  and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRIC HOLDING CORPORATION (TN)

I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

When I had my account open I tried contacting customer service they told me to go to a local bank location and bring to forms of I.d.., at first and then when the issue happen the second time I reached out to the fraud department while I was on vacation they told me to go to the nearest bank location. They didnt solve any of it as to how it happened or why it happened but my whole account was froze due to other accounts being opened and that my login information through the app was changed somehow and I was locked out of my account, card was blocked and there were multiple wire transfers being done without my knowledge.
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

On XX/XX/XXXX Flagstar Bank purchased my mortgage from XXXX. In XX/XX/XXXX I was asked to provide proof of flood insurance. I contacted my insurance agent and they in turn provided proof of policy. later that week I received a letter from Flagstar stating that the policy ( which was the same I'd had with Amerifirst ) was not acceptable to Flagstar and that they had purchased/placed a flood policy on my residence. The letter dated XXXX showed a policy with effective date XX/XX/XXXX more than six months retroactive at a cost of {$2600.00}. My prior existing policy was still in effect during that time and there was never any indication that it was not acceptable. In fact, the existing policy had actually completely covered a flood claim on the property in XXXX of XXXX. How can I be forced to pay 6 months of coverage for time that had already passed when I already had coverage? This seems criminal!
Consumer complaint received 2022-09-10
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)

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 https : //www.ftc.gov 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 4 business days after the date of receipt.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

I was trying to open an additional separate account to save for a big ticket item and PNC has changed their security so Im unable to open an account through XXXX. Theres no way to open an account due to COVID precautions without me taking risk. Id appreciate the ability to open an account to put my savings into
Consumer complaint received 2023-02-07
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. (DE)

I recently filed a complaint in XX/XX/2022 COMPLAINT ID XXXX in which the company replied and the CFPB closed the complaint. However the company is being vindictive purposely suppling false information on my report, defaming my character, and making it impossible to me to extend credit, or move my family out of an apartment into a house. They put and name they are aware that does not belong to me, accounts that are delinquent that does not belong to me and added and address as my address that does not belong to me and put my actual address as and old address. They also deleted all my current and positive accounts replacing them with charged off accounts that does not belong to me.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Solutions Group, LLC (VA)

I received three calls from Recovery Solutions Group that XXXX complaints had been filed against me and i had pending charges and because they could not reach me by phone, they would be actively pursuing me at my place of employment or residence and when I was located I would be forfeiting my rights. In one message, it was stated that I needed to contact the issuing agents legal department to rectify the matter and I had been officially notified. All three messages were from different telephone numbers but had the same case number. Family members such as my mother and XXXX year old grandmother have received these messages stating that legal action was going to be taken against me if they did not give my contact information. One person actually told my mom that it would be wise of her if she told me to call them back. These people are not only threatening me, but family members. My sister received a call from someone telling her that I had put her down as a reference.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (PA)

This past Spring I contacted you concerning a debt that I had been paying off through American Express. That complaint was ID : XXXX. We had settled on 24 payments of {$35.00}. I made all 24 payments however they sent the final payment back saying that office in XXXX NJ was no longer servicing this account. 
With your assistance they spparently wanted an additional {$1.00}. 
I called them tlo ask why they didn't simply cash that check and request an additional {$1.00} to settle the matter. They really didn't have a response. They just wanted a check for {$37.00}. I sent a check for that amount the following morning while confirming the address that I needed to send my final payment. 
In XX/XX/2022 I received a letter from American Express with the uncashed check for {$36.00} stating my debt was paid in full. 
On XX/XX/2022 I received a new letter from Anerican Express stating that I owe them {$540.00}. 
How can this be???
Consumer complaint received 2017-10-03
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. (GA)

I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

Due to the Corona Virus, I had to let my credit cards go. I have been struggling financially and mentally during this time. The phones calls from XXXX ( XXXX XXXX XXXX, is Citi Bank. They have called 10 times before I blocked them, starting from the date of XX/XX/2020, and called 14 times leaving a voicemail each time. The date Im filing this compliant is, XX/XX/2020. 
Thank you for any assistance you can grant.