davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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. (TX)

I was disputing inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX Account number XXXX Equifax changed the status of the account from " SETTLEMENT ACCEPTED ON THIS ACCOUNT PAID CHARGE OFF '' to a COLLECTION account. 

Causing me to drop over 30  points on my credit score. This account has never gone to collections and has always been with the original creditor. 

So I paid money to check my credit report and they are claiming I have a late or missed payment on this closed account that has a {$0.00} balance. 

It's not possible for a {$0.00} balance account that's closed to have a late payment when this has been paid and closed since 2022. 

I tried to get them to fix the mistake but I spoke with a XXXX who refused to escalate the call to a senior or a manager. She began arguing with me that Equifax doesn't use fico scores and the the reason my score dropped was because of no real estate accounts. I told her I never had real estate accounts and it doesn't make sense that my score would drop out of nowhere. 

The drop happened the same day I disputed the account and the status changed to collection with a missed payment. 

According to FCRA laws I'm supposed to have accurate information on my report, not false claims of late payments that harm my profile. The other two bureaus have removed this account from my report but Equifax is adamant about keeping it up with inaccurate information. I don't know where else to turn.
Consumer complaint received 2022-09-07
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. (NC)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2022-08-05
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)

In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

I did not give them written instructions.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2023-04-16
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. (AL)

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. XXXXXXXX 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 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 seven years. 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. The following inquiries were also opened under my social security number fraudulently as well.

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
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2019-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. 

I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC (CA)

I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My insurance carrier ( XXXX  ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected immediately.
Consumer complaint received 2019-02-28
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: DISCOVER BANK (WV)

Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, Transunion. Experian to remove, till date nothing has been done. Transunion has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I recently obtained a copy of my credit report. LVNV Funding LLC continues to violate my rights as a consumer according to the Fair Debt Collection Practices Act. Also, this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) 15 USC 1692b ( 4 ) 15 USC 1692c ( A ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692 ( c ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692 d I have attached my license.
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The problem relates to a Bank of America XXXX BOA XXXX Credit card credit limit decrease, I have been a customer for 19 years. The credit card had a credit limit of {$21000.00} on XXXX a payment of {$6500.00} was made against the account. The minimum payment due on the card at that time was {$230.00}. However by paying in the {$6500.00} the intent was to pay my property taxes with the card, taxes were due on XXXX for {$5500.00}. However on XXXX Bank of America elected to reduce my credit limit without informing me to {$16000.00} a reduction of {$5200.00} on the credit limit based on my most recent credit report. Finding myself in the very unfortunate position of being unemployed for the past few months, this is the first time I have been unemployed in 19 years. This unilateral action by Bank of America has caused a major problem with our home finances. Having very carefully budgeted the monies we have available, we would never have paid the money XXXX {$6500.00} XXXX into the credit card if we had known the bank was going to take it away by decreasing the credit limit without even having the courtesy of calling us. So when trying to use the credit card on Sunday XXXX for dinner the card was declined. Knowing I had just made a large payment into the credit card on XXXX I was very surprised and called BOA as soon as I got home. Only to be informed by customer service that the bank had reviewed my account and reduced the credit limit and I should call back on Monday morning when there was someone to talk to at the Bank. 
When I asked BOA customers service why I had not been informed about the change, I was told the Bank had sent a letter in the mail. Most of my communication and interface with Bank of America is via the on-line banking software, and there was no mention of this in the communication in the on-line section of the credit card. The formal letter of the credit limit decrease arrived on XXXX in the mail, still no mention in the on-line banking message area. As mentioned before I have been a BOA customer for 19 years and have many different products from BOA. Checking account, Savings, Mortgage, Home Equity and Credit Card. So frankly I was very surprised and felt disappointed and betrayed that a huge and powerful Bank like BOA can unilaterally make a decision like this that profoundly impacts a loyal customer that is struggling. Maybe they consider themselves to be above the law, frankly this type of underwriting behavior is predatory and self serving in the banking business, and should not be allowed. 

Please feel free to publish this bad banking experience at Bank of America, so people can understand that customer loyalty is not appreciated at Bank of America. All they want are the deposits and fees the people are less important. This is why the regulators should breakup the big banks, basically no customer service and no communication other than XXXX numbers with faceless people or letters in the mail.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax is allowing the creditor to reage the account so that it reports longer than the FCRA allows. Previous evidence shows Date of First Delinquency XX/XX/XXXX with FCRA reporting of 7 years. By calculating 7 years of credit reporting, this account should report until XX/XX/XXXX. However, it is now XX/XX/XXXX and this account is still reporting until XX/XX/XXXX, which the XXXX has reaged the account in order for it to report longer than FCRA law allows. I have communicated with Equifax with disputes and with the creditor XXXX with no resolution ( exclusion from my credit file ). 

XXXX is reporting the Date of First Delinquency as XX/XX/XXXX which is the date of the charge off. The date of first delinquency per FCRA law is the actual date of first delinquency that made the account delinquent and not brought current ( which is XX/XX/XXXX ). The DOFD has absolutely nothing to do with the date that the creditor actually charges off the debt and gets the account off of their books. XXXX is using the wrong date to continue to report. It is as plain as black and white. Please make them understand the FCRA law. XXXX continues to be defiant of the FCRA law on this account to do me as much harm as they possibly can.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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.