davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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 — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

I received a notice from Lexis Nexis that the company was unable to process my request. You were unable to find my data in your file. I submitted a dispute to Lexis Nexis and provide proof of identity. 

The Consumer Number is : XXXX Case # XXXX I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and as federally protected consumer under the Fair Credit Reporting Act ( FCRA ). 
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.

If this is the case, you are violating my privacy by disclosing my data including my a name that matches mine to 3rd party companies. 3rd party companies such as XXXX, XXXX, and XXXX. 

Attached : 1. My driver License 2. The original letters sent to your company 3. Proof of delivery
Consumer complaint received 2022-09-24
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: CITIBANK, N.A. (NY)

Hello good day, I have a notification from XXXXXXXX XXXX  stating that CITI BANK pulled my report and I checked what occurred to be an unauthorized inquiry on the XXXX report. 
This occurred on XX/XX/2022. 

I've already spoken with XXXX Credit Bureau to work on this issue as well as CITI BANK to resolve these actions.
Consumer complaint received 2022-07-04
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. (WA)

There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (PA)

I wasnt aware that I owed any money to the XXXX when I was in XXXX as I didnt stay at my parents house and thats where all the mail was sent too. I have a insurance card that I used so I figured it would be covered. However while looking though my credit report I seen that my debt has been handed to collections. I never knew about the debt. My colleagues said that usually youll receive mail contacting you about debt or even a email or something from the original company but I wasnt in the position to see any of this. And this honestly caught me by surprise as I had no opportunity to even pay back the medical institution as I was unaware of the debt.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

US Bank is holding my funds from my unemployment insurance for Texas in my account. This is not the first time US Bank has done this either. First of all two weeks ago, US Bank Locked my card right after I activated it. The very next day the card was locked. I did not even get a chance to use the card, because as soon as I received it US Bank LOCKED the card and put a fraud block. US Bank then left a voicemail telling me to verify my identity. So I went to the site US Bank instructed me to go to verify.usbank.com/identity and uploaded my documents 3 DIFFERENT TIMES. US Bank told me it takes them a week to verify it. So on Friday, I called to make sure they got the documents. After speaking with a supervisor and waiting on hold for 2 hours. US Bank supervisor confirmed that they received the documents and processed my submission and unblocked the card. Without apologizing. Then this week, I got another deposit and attempted to use the card to make 1 purchase and 1 transfer. The purchase was for apple itunes store, and the transfer was to my own checking account. on XX/XX/22 US BANK Cancelled my transfers 3 Days LATER. It says ACH Cancelled by Fraud Ops. So once again I had to wait on a 2 hour hold, and after speaking with both customer service and a manager I was told they need to verify my identity again. This is absolutely rediculas, Last week US Bank Confirmed they verified my identity and then when you use the card once every transaction they want you to reverify your identity? I told the supervisor I already did this last week and they confirmed it, and she told me she doesn't care I need to resubmit it and that they fraud monitor 24/7. As I instructed my identity documents have not changed in 1 week. She didn't care her name was XXXX. She told me that they can do this as many times as they want and it takes a week each time, She told me until I resubmit again, and again, and again they will freeze my account, and I am not allowed access to my OWN FUNDS. I believe this is definitely a case of consumer abuse. Especially when I am using my own money that I earned from direct deposit and they freeze my account every transaction. I do not believe I should have to continue to upload my documents every single day. That seems absurd.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ladera Lending, Inc (CA)

In XX/XX/XXXX, I purchased a condo with XXXX XXXX mortgage company. Within few months, XX/XX/XXXX, I refinanced the loan through Ladera Lending with a broker who offered a 2.5 % interest with a significanly lowered monthly mortgage payment. I was very pleased. According to the broker/agent, my loan was going to be a breeze due to my excellent credit and job security. Little did I know that there was an error in the escrow/impound account. The previous lender had calculated the escrow at {$750.00}. Ladera Lending 's escrow only reserved {$340.00} which they did not add the property tax bill for XXXX and also 1.25 % of the purchase price at the time of refinancing. I am filing this complaint after I received an Escrow Account Disclosure Statement on XX/XX/XXXX. After XXXX years, my current mortgage company XXXX XXXX XXXX ) caught shortage in my escrow account due to Ladera Lending 's error. As a result of this shortage, XXXX XXXX is adding an additional {$1000.00} a month to my mortgage. As a consumer, I am focused on making the monthly payments and I assumed that with an impounded account, my property tax was taken care of. 
Also, the broker/agent did not inform me about supplemental taxes which I recently learned was in a delinquent status until I paid off. 
I am currently facing financial hardship as a single woman and a mom of two teens and this new payment will definitely put a strain on me. I have lived within my budget but unexpected things arise and I have recently paid off the supplemental tax ( XXXX with a late fee ). I am appalled and shocked to learn that I was not informed sooner about this error by a current mortage company. But Ladera Lending should have been more careful with the loan documents before releasing the loan. Especially, if it is an impounded account. What the broker offered was an attactive bait for offering a much lower mortgage payment and now, after a year and half go by, I learn that there was a error .... Most consumers do not have knowledge about escrow. That is why I opted for an impound account. I do not have the means to pay a large property taxes every 6 months. I trusted my lender to prepare the documents before releasing the loan. I do understand that the taxes do go up and mortages and fees go up slightly especially, with during this economic inflation. However, adding an additonal $ XXXX on anyone will significantly affect their budget and livelihood and I am one of them ....
Consumer complaint received 2022-12-05
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX OF XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (CA)

My husband I purchased a used RV from a private party on XX/XX/22 for {$39000.00}. The private party had an outstanding loan with Bank of the West for approximately {$31000.00}. The seller and us met at the local branch of Bank of the West and we paid off the loan for the seller as well the gave the seller the difference owed to purchase the RV. The Bank sent a letter to their loan office at that time saying it was paid off and to release the title to us. On approximately XX/XX/22 we received a letter from Bank of the West stating they had received payment in full and since the bank is a paperless title user, we would receive the clear title directly from the DMV. I have made numerous phone call to customer service at Bank of the West as well as visited the DMV and AAA to complete the registration. As of Monday, the DMV states the Bank of the West still has the title and is still the lienholder. 
( please see attached documentation ). I have been told that Bank of the West has requested a paper copy of the title from XXXX, and once they receive it, it will be sent to me. Something seems wrong for a this to take two months before I can register a vehicle. Thank you for your time.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AZ)

Hello, My card has been blocked since I opened it. They asked me to verify my identity and I faxed and mailed a copy of my license over 3 or 4 times and still nothing. 
At this point I just want the account closed and the company to refund me the {$95.00} annual fee I already paid since they never allowed me to use the card. Why are they allowing me to open the account only to never even let me use it?
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2022, my PayPal account was suspended for 180 days for no good reasons. The account was attached with my XXXX XXXX account. I received my payments from the account and it was where I made my account savings. The account had {$62.00}. I don't see any good reasons they had for suspending the account, because I even confirmed my details as they had instructed on XX/XX/2022.
Consumer complaint received 2022-09-24
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : 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 2022-09-24
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)

I am submitting this CFPB Complaint in regards to the removal of the fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Also, the Credit Bureaus have been continuing the reporting of the disputed items as verified without sending me copies of proof of verification to support the Credit Bureaus ' claims about the disputed items. Their willful non-compliance with the Federal statute is a clear violation of a consumer 's rights. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the Fair Credit Reporting act section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit file : 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 Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX  XXXX/XXXX/2021
Consumer complaint received 2022-09-24
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)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (MO)

I am appalled by the lack of responsibility on your behalf. When will XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. This CFPB Complaint will be my XXXX CFPB complaint to be submitted requesting the removal of the disputed accounts completely from my Credit file. Under the provisions of the Fair Credit Reporting Act, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File. The Following accounts were already deleted from the other Credit Bureaus, and I need these items completely removed from my Credit file. 
XXXX. XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-24
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( 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 4 business days after the date of receipt.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NM)

So the month of XXXX with my direct express card. I disputed amount of {$490.00} I sent them and faxed the dispute 3 times. XXXX  days later they gave me provisional credit. Then at the end of the month XXXX  day before I get paid they said I was XXXX. I thought I lost the dispute. It turns out they said I did not give them a dispute. I said it was illegal for you to take money out of my account without letting me know. They gave me no notice of any kind. I told them if I did not give u a dispute how would u know how much provisional credit to give me. No answer they said I have to call the dispute department. So I was sick the next day. And when I called back I was XXXX in the XXXX they allowed someone to take a bunch of XXXX charges to the same place. When I should have XXXX in my account none of this would have happened if they did not commit this illegal act and let me take out my money at the beginning of the month. And how does my prepaid card go into the negative I did not sign up for overdraft and they say they do not do this anyhow. I want my begitive amount to be cleared and my XXXX back
Consumer complaint received 2022-09-24
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. (CA)

I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX