davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (NY)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  : XX/XX/2015 XXXX  : {$17000.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Consumer complaint received 2016-08-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE SOLUTIONS OF COLORADO (MD)

i requested a copy of my entire file, including the notes made on my file in order to audit it, I believe that the fees I was charged at closing were not consistent with the actual amount paid to the agencies. After my first request, I was given only the note, mortgage, and cd ( which they referred to as the XXXX, obviously incorrect since I closed long after TRID ) I rerequested my entire file, asking to include everything pertaining to my loan with them, and I have gotten nothing. I am now locked out of my login for their website, which says it sending me an email with a secure code. The code takes about 8 hours to get to my email and then doesnt work. I have no access to review my file and I have not been provided the documentation I requested
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (DE)

I tried to apply for a M & T checking account numerous time, however M & T declined me for checking account. I have had good relation with M & T in the past. I want M & T to provide me with thorough explanation why I can not open my account. 

Sorry, XXXX  unable to open your account. 
We XXXX  able to open your account due to XXXX of the following reasons : Information obtained from a consumer reporting agency XXXX of your previous account history with M & T
Consumer complaint received 2022-11-14
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: SYNCHRONY FINANCIAL (LA)

XXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. XXXX  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.
Consumer complaint received 2022-01-04
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. (FL)

I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Have been trying to find out if I have been compromised by the Equifax breach for over one month.  Every day when I go to the website https : //www.equifaxsecurity2017.com/ I get the message that the service is " temporarily '' unavailable. Calls to Equifax connect me to an automated line which does n't give me the option to connect to them to freeze my credit, something I am considering, but I ca n't chose that option or speak to a representative.
Consumer complaint received 2022-11-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock. 
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue. 
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I
Consumer complaint received 2022-11-13
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. (PR)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/22 I took a call at XXXX XXXX. I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (DC)

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX. I demand the deletion of this inquiry from my Equifax report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Consumer complaint received 2022-11-13
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. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. 


Accounts XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

This is the XXXX complain I'm filing with CFPB. I have a HELOC account with US Bank for past 15 years. This HELOC was tied to a lawsuit. I have already paid the amount of the loan in interest! US Bank had been horrible. I am uploading a few pages of the statements. US Bank has charged me thousands of dollars in other charges ( please see the XXXX I made to show. I have been paying the interest on time, but they keep charging me late payments. After 15 years, I won the case and got paid for the exact amount of the HELOC. I paid $ XXXX on XXXX. XXXX. ( see XXXX XXXX US Bank statement. Because they have made many mistakes in calculating interest, I am not paying the last {$750.00}! I believe my balance is XXXX. US Bank can close my HELOC ( I do not like them ). I have talked to many case managers, because they have a high turn over on employees! The most important person was : XXXX XXXX XXXX : XXXX. She admitted many mistakes in calculations on my HELOC! 
I have even messaged XXXX XXXX, XXXX. of consumer through XXXX! 
Please help me and advocate for me. I am done with US Bank. They need to bring the balance to XXXX. Please help me.
Consumer complaint received 2022-11-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IL)

On XX/XX/2022 I received a mailed document to an old address XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am being contacted about loans from Navient : Loan Number : XXXX Amount : {$8300.00} Loan Number : XXXX Amount : {$1400.00} Loan Number : XXXX Amount : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX should provide me a payment history for all loans listed and payment options. At this time I am only able to make a payment of {$25.00} for XXXX XXXX. 

Please do not contact me via mail instead contact me via email XXXX XXXX
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

XXXX XXXX I saw a collections account on my credit report from agency ARS for XXXX. XXXX XXXX was the account. ARS told me it was from an ER visit from XX/XX/XXXX. I spoke to XXXX from XXXX XXXX XXXX which was the insurance I submitted at that time. After investigating, XXXX got back to me on XXXX XXXX and explained to me XXXX had received a bulk payment for the ER visit which they are contracted to take the amount they get as payment in full and there is XXXX patient responsibility. She had Florida XXXX XXXX contact XXXX who said it was not in collections which was conflicting. She spoke to XXXX at ARS gave her the payment details and explained the policy. XXXX spoke to her manger who said they would speak to XXXX and clear the credit report. Since I can only bring my credit report up annually a year has gone by and it is still there. I spoke to XXXX at ARS on XX/XX/XXXX who told me they are holding it to see a copy of the cancelled check from XXXX XXXX. She told me no one is allowed to call and tell me this. XXXX will not speak to me only the insurance co. 
I have never had this happen as it has always been up to the hospital to coordinate the insurance. All my insurance information was given the day I went to the ER. XXXX told me its simple get a copy of the cancelled check and hung up on me. It has been 5 years since that claim. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX. She told me she would try and request it but doesn't know if it will be possible. This seems unethical to me. XXXX was paid for the ER visit as they are contracted with XXXX XXXX. When XXXX XXXX called them directly they had no record of it being in collections. Now collections wont take it off the credit report when they were given payment details over the phone. XXXX explained they should have been faxed when XXXX gave all this information to XXXX who never made any suggestion to XXXX to fax or mail anything. 
XXXX told me today " XXXX is just a secretary '' Then why was she trying to resolve this with XXXX and her manager? As XXXX wont speak to the patient they bill and only the insurance company I don't understand why this wasn't handled by them with the insurance company in XXXX like the rest of the medical field that bills the insurance co. I would like this taken off of my credit report as all the information was given in XX/XX/XXXX and XXXX was told this would it would be taken care of. I was unaware that anything else was needed.
Consumer complaint received 2017-05-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (AK)

They called and we agree 'd i 'd pay  XXXX  dollars a month to pay off my debt but never told me that  XXXX  dollars of that per month would be going towards fee 's.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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
Consumer complaint received 2017-05-10
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: DriveTime (CA)

The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (CA)

The following inquiry is showing on my Experian Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact Experian directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (AL)

I used PayPal to purchase 2 XXXX XXXX XXXX e-gift cards ( each {$50.00}, I payed {$80.00} for total of {$100.00} ) from PayPal Digital Gifts on XX/XX/2018. However I'm unable to use the 2 cards for my online purchase now. One of them shows " XXXX balance ''. Another shows " gift card authorization declined ''. I called PayPal Customer Service this Monday, but was told both cards have " expired ''. I asked that gift cards should never expire and I was never notified any expiration date in the email/policy/terms. The CS representative kept telling me to contact " XXXX XXXX '' and they can not do anything about it. I asked whether I can talk with her manager, but she said " all the managers are busy right now ''. I tried to call PayPal again today, but was put on hold for almost 2 hours.
Consumer complaint received 2022-10-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-11-12
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to XXXX XXXX of Fair Credit Reporting Act.
Consumer complaint received 2022-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MO)

I contacted New American Funding for a customized rate quote and decided it wasn't in my best interest to pursue a refinance, then scheduled a call the next evening to discuss this with an agent. Since then I have been hounded by agents from their company calling 4+ times during the work day for the past two days, despite insisting they stop attempting to contact me.