davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (WA)

On XXXX XXXX I received a document from Early Warning in XXXX AZ stating the following : Early Warning does not have access to account documentation and is there for unable to provide copies of any documents. For more information, please contact the furnisher directly. The contact information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On my Early Warning Customer ID # XXXX I have 3 items I am listed below : XXXXXXXX XXXX  - XXXX  XXXX # XXXX Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX - XXXX XXXXXXXX # NONE Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX XXXXXXXX XXXX # XXXX Account # XXXX Principal Lost $ PAID Contribution Reason : Account Abuse After several attempts with XXXX XXXX and XXXXXXXX XXXX also confirming that the above 2 accounts are NOT Checking Accounts there are old credit cards that had fraud on them because of them being stolen. 

After several attempt with XXXX XXXX XXXXXXXX this was not Account Abuse my bank card had be stolen and I closed the account because they would mot release my funds!!! 

Early Warnings has first refused to show me any proof of documentation and now have clearly stated that they have NO documentation. I want these items removed immediately from my account and now they are refusing to do so with NO documentation or legal investigation.
Consumer complaint received 2020-11-25
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Uber Technologies Inc. (TX)

I have contacted XXXX Claims Department about unauthorized transactions on my account. They have responded that since the charges are above 60days from the day I reported they would not be able to assist me, I requested reasonable accommodation through the American With Disabilities Act and asked for assistance. The bank informed me since they were beyond the 60days they would not be able to investigate and refused to credit my account. I was under the impression I am FDIC insured. I have sent several emails to uber asking them to reimburse me and they have also failed to send me a response any help that CFPB could assist me with is much appreciated. 
I have charges on my checking account from uber, please advise they were not initiated by me. Would you be able to assist. 
Dates are UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$23.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( XXXX XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$5.00} I have called the banking institution I bank with. They were unable to reverse the charges because they stated it had been more than 60 days that I called to express fraud. I need the charges reversed. 
These are the dates of the transactions.
Consumer complaint received 2024-03-02
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. (GA)

In accordance with 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, has violated my rights. 
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 XXXX 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 2021-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the accuracy of the late payments with XXXX XXXX, with the results being the same. I called XXXX to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.
Consumer complaint received 2018-02-07
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. (GA)

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Consumer complaint received 2018-02-07
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: Asset Recovery Solutions, LLC (OH)

My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

On XX/XX/XXXX and XX/XX/ I made a partial payment of {$500.00} & {$500.00} towards my mortgage. It was applied to my escrow account versus my regular mortage payment. I received a letter in XX/XX/XXXX stating that my mortgage payment was 30 days late and would effect my credit score. I immediately called and tried to speak to someone to clear up the error. I was Not 30 days late it was just on the wrong account. This has had a major impact on my credit and I have not been late prior to this incident. Im contacting you to reverse the 30 day late on my credit report due to it being misplaced to my escrow account. It has been corrected and applied to the right account, but its stll effecting my credit.
Consumer complaint received 2020-01-23
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. (NV)

Dear CFPB I am seeking help, my rights have be violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by TRANSUNION & XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX  XXXX has failed to report to XXXX that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX   has not validated this debt as per required by the fair credit reporting act section 809. I  have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

THIS ACCOUNT HAS NOT BEEN VERIFIED. PROVE IT. 

I HAVE ALREADY DISPUTED THIS SAME ACCOUNT WITH TRANSUNION FROM XXXX XXXX ( XXXX/XXXX ) ACCT. XXXX TRANSUNION HAS DELETED THIS " Between XX/XX/XXXX and XX/XX/XXXX, your credit card with XXXX/XXXX was removed from your credit report. '' FILE NUMBER XXXX ( DATED XX/XX/XXXX )
Consumer complaint received 2021-03-28
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. (MO)

On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both transunion and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind.

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NJ)

This is a formal complaint lodged against PNC Bank. In XX/XX/2015, PNC Bank unjustly accused me of owing them a balance of {$2.00}, XXXX. Despite multiple attempts to prove to them I was not liable and had been a victim of identity fraud/ theft, they still attempted to hold me personally accountable. After much stress and litigation, PNC conceded, acknowledged that I was not responsible for the fraudulent activity, closed the case, and sent me documentation that any fees incurred or credit required would be dealt with, accordingly. Today, I went into another banking institution to apply for other financial products. The representative stated I had been 'flagged ' in their system due to " fraudulent activity '' associated with a previous PNC bank account and that my request had been denied, consequently. I went directly into a PNC branch to be put in contact with someone from their internal escalations department and was informed that despite, not having been liable for their formal claims against me, I would continue to be penalized by having this incident in my history for up to 5 years, when in fact, my name should've been removed from the flag/ fraud database as soon as it has been established, I was responsible, back in XX/XX/2015. Ive attached proof and correspondence received from PNC Bank to date. I am pushing to have my name removed from the fraud database. 

Thanking the bureau for its time and consideration of this matter.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or around XXXX of 2019 I submitted documents to both XXXX and TransUnion regarding a bankruptcy being reported to my credit. I submitted proof from the XXXX XXXX they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX and XXXX sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.
Consumer complaint received 2021-11-08
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. (NC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-08
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (IL)

At XXXX on XX/XX/2021 I received a text message from XXXX ( XXXX ) XXXX purporting that they represent State Collection Service , Inc. ( aka : SCSI ) and are attempting to collect a debt. 
A link was provided, which I did not access, and the option to opt out of these notifications was provided. I responded yes to opt out.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (CA)

I have contacted Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising that they are reporting XXXX XXXX with late payments in the months of XX/XX/XXXX - 60 day late, XXXX XXXX  60 days late, XXXX XXXX 30 days late. I asked Experian how can the other two bureaus XXXX and XXXX report on time, no late payments and they are reporting late payments. I have asked Experian to send me documentation that they used to verify the late payments they are reporting and still as of today I have not received a response or any documentation.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} XXXX, she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.