davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (NE)

In accordance with the fair credit reporting act. 
This creditor has violated my rights. 

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-04-27
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. (GA)

The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under XXXX5 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 3 Times ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All Hard Inquiries
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am recieving continuous phone calls from a company trying to collect a debt for HSBC from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX Bank ignoring to speak to me regarding error made on their side in reference to monies paid incorrectly for our flood insurance.

I have made 7 calls to the bank and the supervisor and or manger has refused to speak to me to fix this issue. 

We pay our flood insurance through our HOA and the HOA pays our bill for the flood insurance. We sent a confirmation of the payment and the declaration page to the bank and the bank issued another check to the insurance company in error. Now the Bank wants us to pay bank the escrow monies used in this payment, when the payment should have never been paid. 

The bank is Truist Bank and I have had nothing but trouble since the merger between SunTrust and XXXX XXXX XXXX. Consumers should be aware of the horrible customer service with Truist.
Consumer complaint received 2018-02-26
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: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS COMMITS XXXX DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Consumer complaint received 2018-02-26
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 (DE)

I made a purchase on a dinning set from XXXX XXXX in Pa and while at the store I left a {$1900.00} deposit to order the furniture. I paid the remainder of the balance in Full per the store request as they wanted cash and I refused so the excepted a check. approx 12 weeks later I received deliver and as they were unpacking to set up the dinning set, I notice it wasn't what I ordered and paid for so I disputed the charge. I can them everything they requested including picture of what I received and what I wanted. XXXX is in breach of our contract agreement as they refused to dispute the charge to date.
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

The only way to dispute a inquiry through Experian is by mail. I have mail in countless times inquiry disputes and they have not be iremoved let alone investigated. I have send my disputes cia priority mail, overnight, regular mail. The exact same disptes total over XXXX times sent. This is absolutely ridiculous. Not to mention the {$30.00} XXXX pay experian a month for credit monitoring service. I am unhappy, not just with the serivce, but the lack of respect for helping consumers. I have also sent multiple relevant information to re-open a dispute. Informstion that you can look at and properly make a decision that the incorrect information needs to be chnaged or removed.
Consumer complaint received 2021-05-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

I signed with PHH Mortgage Services to re-finance my VA mortgage in XX/XX/XXXX for a 2.5 % interest rate, PHH failed to complete actions to ensure the re-finance rate lock would expire. Once the rate lock expired PHH practiced a bait and switch tactic to lock me into 3.25 % interest rate, the same interest rate as my current mortgage loan. 

Throughout the 6 month re-finance process I was assured we would be closing with a week or two multiple times between XXXX and XX/XX/XXXX and was informed 4 days prior to the rate expiration there was still a month worth of closing actions PHH still needed to complete. 

PHH told me I needed to re-apply for the re-finance at a 3.75 % ( half a percentage above my current mortgage ), but their manager would lower the rate to 2.5 % after I re-applied. After I signed in good faith at 3.75 %, they told me they could only honor 3.25 %. 

I then realized this was a bait and switch tactic where PHH willfully expired the re-finance interest rate lock to perform an unfair predatory lending tactic. Members of the PHH team I was working with even nullified each reason why PHH stated they were unable to close with in the required time. Upon submitting a formal complaint to the PHH Research Department ( who confirmed they received the fax on XXXX XX/XX/XXXX XXXX no response was received with in the allotted 10 business days.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

In response to : CFPB # XXXX Reference # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX In your 4th paragraph, from what I understand it seems to say that XXXX received my XX/XX/XXXX payment on XX/XX/XXXX which was applied to XX/XX/XXXX and that according to my bank it cleared in XX/XX/XXXX. 

Please see attached XX/XX/XXXX & XX/XX/XXXX statements noting payment to XXXX on XX/XX/XXXX & XX/XX/XXXX. My XX/XX/XXXX payment was paid at end of month when I closed escrow. 

I am not quite sure what XXXX means or what you meant by the 4th paragraph of letter sent to me on XX/XX/XXXX. See attached your letter.
Consumer complaint received 2017-12-21
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. (PA)

Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
Consumer complaint received 2023-02-01
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. (MA)

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 : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX, My rights 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.

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 2022-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX was listed repossessed and listed as charge off on credit report. Inaccurate amount listed on credit report after car was resold. Also, never received auction receipt for car, as well as payment insurance, or loan insurance was never listed which was language in contract. Would like this charge off removed from credit report.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-10-11
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: Avant Holding Company, Inc. (TX)

I had a personal loan through the company Avant which has been paid in full for over a year. The company constantly sends emails saying to to reapply and it will not affect your credit. One day I clicked on the link to re-apply for a new loan, just to help pay ahead or pay down bills since inflation. It auto-entered my information as well. They never call me about the loan or anything, they just closed the application after a few days. Then I see it on my credit report as a hard inquiry when I had many emails saying it wont affect my credit.
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (SC)

i filed for bankruptcy on XX/XX/2022 and the company was made aware away of this. They decided to charge my account 6 month later. they issued me a reference number XXXX. they have yet to issue my money back to my account. and have the numerous emails saying they would issue the money back but have not.
Consumer complaint received 2022-04-06
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: Westview Financial Services VA, LLC (VA)

Last XXXX a det was satisfied and the negative information appear twice for no reason .the company was paid and satisfied of any old det that was owed to the creditor. A company was given permission to help take down the negative information by its still on my credit report.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CT)

I noticed that there is a hard inquiry on my credit report. XXXX shows that i have a hard inquiry from THD/CBNA on XX/XX/year>. I called to remove it. They email me back saying that they contact XXXX to remove it ( reference # XXXX ). It is still showing on my credit report. Now it shows 2 from the same date XX/XX/year>. On XX/XX/XXXX once again it shows another hard inquiry on XXXX. I contacted Citi bank they said to give it 30 days it will be removed ( case # XXXX. I contacted them again on XX/XX/XXXX, once again I receive a letter saying it will be removed ( reference # XXXX ). As of right now I have 3 hard inquiries on my credit report that. The only hard inquiry that should be there is the XXXX from XX/XX/year>, that is the only time I applied for a card, which I was approved. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-01
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capstone Credit & Collection, LLC. (NC)

my complaint is a bout ''CAPSTONE CREDIT COLLECTION LLC" trying to collect a debt that is past due and legally past the statues of limitations to e, also the 3 credit bureaus want tell me how the account was verified.In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, promissory notes and credit cards, Also there wasn’t any proof of the debt sent to me showing how it was verified. I'm having problems having this debt removed under the laws of the FCRA that states if the account is unverifiable it most be removed from all 3 credit bureaus this account is really effecting my future plans for me and my family please help me address this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Account number XXXX  UnverifiableCAPSTONE CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

(XXXX) XXXX
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TN)

My mortgage loan servicer recently changed to Flagstar mortgage, I have submitted several request for mortgage assistance several times and received no response. I have called Flagstar Bank numerous times inquiring on status of my loan, each and every time I've called I'm told they can't find the documents that I have faxed. After I'm told they can't find the documents I'm very persistent with customer service and they finally say OH, I found your documents. Flagstar is not trying to assist me, I have been submitting documents documents since XX/XX/2021 and none of the customer service at Flag Star Is willing to assist me. I don't want to lose my house to a property foreclosure sale. Please assist me
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

A credit card by XXXX called a XXXX XXXX was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with XXXX XXXX, XXXX, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX nor XXXX has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX collections remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

you can not go to a bank america branch where they do not make you wait at least one half hour to get to the one teller they have with a line of 10 people ... they need to provide more staff to support the customers, instead of making you wait on the phone or at the bank for more than half an hour, standing, to get to the teller their treatment of customers is criminal