davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
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. (CA)

On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.
Consumer complaint received 2024-03-03
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)

I recently reviewed my credit report and I noticed an account that is not reporting accurately. I have 1 late payment on an account that I did in fact pay on time. The consumer reporting agency have to report complete accurate information to the consumer report. This account listed below have not been late on payments. I've attached my consumer report that details the inaccurate information to this complaint. The report shows late ( XX/XX/2022 ). I am also attaching the car loan statement detailing an on time payment made. Please update the late payment as paid on time immediately. 

XXXX XXXX  - Account number XXXX Thank you
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lincoln Financial Services (MA)

Lincoln Financial Services repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score XXXX point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score XXXX points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!
Consumer complaint received 2019-11-13
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. (MD)

I have contacted Experian on the chapter XXXX bankruptcy that is currently on my credit report. Experian previously processed this dispute and claim to have verified the bankruptcy. Base on the documents that was provided the Bankruptcy should have been remove from my credit report. Please advise this company as to FCRA law in regards to having to investigate all disputes. I challenge the accuracy, compliance and reportability of this listing.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Money was deducted from my bank account with the Bank of America without my knowledge or approval. On XX/XX/2021 and XX/XX/2021 two deductions of {$30000.00} each for a total of {$60000.00} were taken from my account. I immediately reported these losses to the Bank of America upon my return from a trip. I filed a complaint with the CFPB on XX/XX/2021 citing a complaint using the Electronic Funds Transfer Act ( EFTA ) Regulation E, My case number was XXXX filed on XX/XX/XXXX XXXX THE BANK OF AMERICA HAS NOT RESPONDED TO MY COMPLAINT.
Consumer complaint received 2018-02-07
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. (IL)

I filed a CFPB report on Equifax due to them reporting incorrect addresses on my credit report. These Georgia addresses were reported while I was ( and am ) still living in Illinois. I provided Equifax with my identity theft report as well as my Illinois drivers license. My license showed that I not only was living in Illinois but even renewed my license during the time period the Georgia addresses were reported. Via CFPB filing XXXX, Equifax shows that they deleted those Georgia addresses. Unfortunately 2 fraudulent accounts still remain on my report. The accounts are XXXX  accounts. The company even sent me a letter addressing the fact that the person they were looking for lived on XXXX XXXX in Georgia. I want these 2 accounts removed from my credit report. They are only reporting on Equifax.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, XXXX and Experian are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Consumer complaint received 2020-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent letter to Transunion on XX/XX/2020 and XX/XX/2020 Document # XXXX and # XXXX. The letter requested the company verify the account listed, provide me with copies in their files as of XX/XX/2020 that were used to verify the accuracy of accounts Transunion has listed on my credit profile. Under fair credit reporting act, 15 U.S.C. 1681g I have the right to demand the disclosure of all documents they have recorded and retained in their file at the time of my request concerning these accounts. My request indicated for Transunion to remove the documents in their files if they did not have documentation as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
In response to my written request Transunion responded with a letter dated XX/XX/2020 indicating they were unable to process my request because they were not able to determine the nature of my request or my request was illegible. To investigate information contained in my credit report type or print account name and number and specify why i was disputing it ( for example, this is not my account, I have never paid late, etc ). 
The accounts I requested Transunion provide this information on are XXXX XXXX, Dept Ed/XXXXXXXX XXXX XXXX XXXX and XXXX XXXX
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. (NY)

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 XXXXXXXX, 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 an 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 2022-04-29
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/XXXX - Several ACH transactions over a 2 weeks period took a significant amount of money ( XXXX ) over multiple transactions from my HSBC savings account. Although account is relatively dormant ( I keep this money aside ), zero alert ( s ) were tripped on the bank side to contact me about these what should have been " odd '' transactions XX/XX/XXXX - During a routine review of my bank statements I discovered these unknown transactions, and proceeded to contact the bank. An ACH fraud claim was filed at the time to get my money back. 

Since XXXX XXXX - Called HSBC numerous times ( > 20 times ), spoke to various people at HSBC including customer services rep, ACH department, fraud department, relationship managers, etc. and spent over 40 hours on calls. In summary they kept saying that their ACH  department has been trying to reach out to the counterparty to retrieve the money back but it has been non-responsive, or that they will try again, or that I should reach out. They provided recently in XX/XX/XXXX a phone number from the counterparty that they said I should call, however that is not even a valid or reachable number, the transaction trace is associated with a company with a company ID of " XXXX '' - which looks obviously like a fake company number. As of XX/XX/XXXX, HSBC still has not retrieved or returned my money to my bank account.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I purchased a property on XXXX. My mortgage was sold in XXXX to PennyMac ; from XXXX XXXX ( original mortgage ). I have a spreadsheet of all my payments to both mortgage companies. I believe PennyMac added almost {$500.00} to my principal in the purchase of this mortgage. I have called PennyMac twice to sort this out and they claim all is accurate. I can enclose all my records.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

subject : credit card would not help me with stopping a recurring charges of a scrupulous merchant. 
1 ) monthly charges of {$10.00} is being charged to my account and yet the credit card company keeps letting the merchant charged my account ; 2 ) even if i change the credit card number, the merchant will still be able to charge my account monthly ; 3 ) no matter how many times i called and no matter if i showed them the cancellation form that i got from the merchant ; my credit card would not help 4 ) this has been happening for the last 8 months.
Consumer complaint received 2021-05-24
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: BUDGET CONTROL SERVICES, INC. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX Please help me resolve this issue as it should not have been on my report to begin with.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (PA)

Aargon Agency Inc is reporting a collections debt in the amount of {$1100.00} on my credit and the original creditor XXXX XXXX XXXX XXXX. The listed open date is XX/XX/2019 and last reported on XX/XX/2019. 
I have not received any communication from Aargon Agency in regards to any debt and certainly have not opened any accounts on XX/XX/2019 with XXXX XXXX. 

I do receive harassing and threatening voicemails from 1-2 times a day from phone number XXXX threatening to come to pursue me at my place of employment and home. They request I call back XXXX to resolve but do not leave a contact name, business name or any information in regards to where they are contacting me from. I believe this is illegal practices performed by Aargon Agency on top of the false debt reporting. I do not have any outstanding debt or collections other than what this agency is falsely report on my credit to explain these calls.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

We thank you for the prompt response. 
THERE IS A MISSING PART IN THE HISTORY OF THIS LOAN ITS THE PERIOD BETWEEN XXXX  AND XXXX. 
PLEASE PROVID THIS INFORMATION WHICH IS CRUCIAL TO THIS CASE. 
THE PERIOD WHEN XXXX  XXXX XXXX WAS THE SERVICER. 
THE LOAN WAS STUCK FOR 8 YEARS IN THE CAOS OF THE XXXX  FINANTIAL CRISIS. 
WE UNDERSTAND THE LAW REQUIRES THE PRESENT SERVICER TO PROVIDE THE HISTORY OF PREVIOUS SERVICERS. IN YOUR CORRESPONDENCE THERE IS NO MENTION OF XXXX  XXXX XXXX. THERE IS HOWEVER A LOAN REFERENCE NUMBER : XXXX. ( # XXXX ) WHICH IS THE XXXX  XXXX XXXX LOAN NUMBER. 
Thank you, XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lyons, Doughty & Veldhuis, PC (MD)

approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (NC)

I received a call from Midamerica Mortgage a few days ago informing me that my homeowner 's insurance had been cancelled due to nonpayment in XX/XX/XXXX. 

I was informed by Midamerica mortgage that the insurance was not paid back in XX/XX/XXXX because the documentation provided to Midamerica mortgage stated that payment was due XX/XX/XXXX. However, my insurance provider ( XXXX ) has said that all documentation shows a due date of XX/XX/XXXX. XXXX indicated a new policy could be underwritten, however it would be more expensive as the original policy was written in XXXX. 

I was later informed after many phone calls that no such documentation showing a due date of XX/XX/XXXX exists, and that the mistake was made by Midamerica Mortgage. The escrow department ( only reachable by email ) insists it has an obligation to pay the difference in old and new policies for this year ONLY. I do not find this acceptable considering their mistake will have knock-on effects for the entire time I own the home. It's honestly unbelievable that they neglected to pay the insurance on time and let my property go uninsured for a full 2+ months. What if my house had burned down in that time?
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC (FL)

On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (CA)

Caller claimed an old account from 15 years ago that was XXXX $ telling me they will sue me for XXXX was yelling and violent behavior claim to be with XXXXXXXX XXXX XXXX, then seemed to be threatening me with the fact they have all my information somehow, XXXX  the phone number and it says they're a scam thier number is XXXX when I said I thought they were a scam they started calling me restricted approximately 25 times in a 30 minute period either hanging up right away or say mean things and hurl insults then hang up
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.