davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I owe the VA approx : {$1800.00}. the IRS set it up that they would take monthly payments out of my social security to apply to this debt, they have been doing that for a number of months. I received a Letter dated XXXX from the IRS informed me that they owed my wife and I, {$1800.00}. They also informed me {$750.00} would be applied to my medical debt with the VA. With this I received a detailed list of all the charges and who they went to. I need his amount to be paid toward this bill and I will be paying whatever is left with check or debit. The VA never informed me they would be turning this over to collections, otherwise this could have all been taken care of. I don't need this messing up my credit.
Consumer complaint received 2021-08-23
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. (TN)

Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against me.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (UT)

I have tried to make my payment for my comenity bank credit card for the past few days. I tried on XX/XX/22, XX/XX/22, XX/XX/22 and now today XX/XX/22 ( which is the due date ) the only response I receive is that they are undergoing a system update that is taking longer than expected. I tried to pay it online and over the phone with no success. I cant get through to talk to anyone either. I am very concerned that my payment will be considered late now and that it will effect my credit in a negative way.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

This is the second complaint I have filed with the CFPB regarding Equifax incorrectly reporting an education loan. I have attached a copy of the erroneous reporting showing that only Equifax is reporting this information, as well as a letter received from the Department of Education. The letter specifically states, " Because you have rehabilitated these loans, we have notified the national credit bureaus to DELETE the record of default from your credit record. ''
Consumer complaint received 2022-07-28
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. (NC)

I was a victim of fraud the following Inquires were not made by me 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 2022-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, I refinanced to a HELOC with Citizen 's Bank in XX/XX/XXXX During that time, I had flood coverage from XX/XX/XXXX to XX/XX/XXXX However, I was unaware my X did not renew due to COVID XX/XX/XXXX to XX/XX/XXXX OR XX/XX/XXXX to XX/XX/XXXX I was notified by Citizen 's on XX/XX/XXXX that {$3200.00} was deducted from my HELOC for policy year XXXX Citizens 's also deducted {$780.00} to cover from XX/XX/XXXX to XX/XX/XXXX, as I got coverage effective XX/XX/XXXX to XX/XX/XXXX Please know that my policy 's annual premium is only {$850.00} My questions are : Does Citizens have the right to arbitrarily deduct {$4000.00} from my HELOC? Wiping out all the equity I built up? 

Do they have the right to deduct $ in XXXX for policy years, 2 years back? No claims were ever filed. 

Lastly, they did not purchase a policy, but just deducted {$4000.00} from my account. Why such an expense? There was no basis for it at all.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (LA)

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (IL)

XXXX XXXX : XXXX XXXX, XXXX. 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$100.00} I got this in an email today and theyre demanding I pay something I have no knowledge of.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

I do not own any money for XXXX the original creditor a open balance of {$100.00}. Violation of 15 1692. ( B ) ( 2 ). ( C ) ( A ), ( B ) ( 5 ). The fact of the matter is Lending Act is intended to protect consumers against abuse and decent by creditors and I have been abused and deceived by fraud and many violations not to mention.
Consumer complaint received 2021-06-26
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: Affirm Holdings, Inc (GA)

I would like to file a complaint against the collector Affirm for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Affirm to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2022-12-09
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. (PA)

XXXX, Experian and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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.

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 purpose.
Consumer complaint received 2022-06-07
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. (PA)

XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX  account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX XXXX XXXX account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXXXXXX XXXX  account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....
Consumer complaint received 2022-06-28
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. (TN)

In accordance with the Fair Credit Reporting act 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 : Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
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. (FL)

I have been trying to resolve this issue since last year of 2021 in XXXX. And XXXX of 2021 no resolution. I did not authorize these inquiries. This company the only. Company that will give you a hard time regarding your credit report.
Consumer complaint received 2022-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (UT)

I bought a phone from XXXX XXXX  for {$59.00}. The phone was defective and I sent it back for a refund, they received it, and okayed a refund. Papal has been given notice of this by me and XXXX  but refuse to give me refund credit after many attempts.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

My mortgage loan was recently transferred to 53 Bank back in XXXX. Ever since I've had multiple issues with payment allocation where I request the payment to be applied to the payment schedule but it is applied entirely to the principal. This has happened 3 consecutive times in the last 3 months where I make a payment online and the payment is misapplied. This requires extra time going online and having to wait for a representative to submit a formal request to reallocate the funds. This is the worst servicing company of the XXXX I've had to deal with, they won't even allow you to set up recurring payments unless you have an account with them... This bank should not be allowed to service mortgages if they don't have the proper systems in place to do so.
Consumer complaint received 2022-06-07
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
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. (NJ)

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 XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX 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 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 2022-04-24
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX USDOE/XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, US DEP ED XXXX, US DEP ED XXXX, ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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.
Consumer complaint received 2022-06-28
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. (TX)

In. accordance with the Fair Credit Reporting act XXXX  Account ( s ) 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
Consumer complaint received 2022-06-07
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry XXXX XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (FL)

My home should've been foreclosed on prior to the COVID Pandemic, but it wasn't. COVID regulations helped delay the process. I wasn't able to make payments for a considerable amount of time due to unemployment and other reasons. 

On XX/XX/XXXX, my home burned down ( complete loss ). I informed the mortgage company and filed an insurance claim. The only insurance coverage was for the mortgage. The insurance company determined the amount of the payout and issued a check for approx $ XXXX. The full amount was made available to the mortgage company to be applied towards the principal. 

In XX/XX/XXXX, we put the property up for sale and a buyer quickly made an offer of $ XXXX. Shortly thereafter, the mortgage company filed a foreclosure lawsuit against us fully knowing that we had both a buyer and insurance money available to settle any outstanding debts with them. 

At this point, the mortgage company stated that since we were in foreclosure, they could not apply the insurance payout funds against the principal. They started requesting various documentation so that the foreclosure would change from " active '' status to " hold '' and then the insurance payout monies could be applied. All of the mortgage company delays have lined their pockets with additional interest off of the loan and whatever interest they're making off the insurance payment monies that haven't been applied, After filing all requested documentation, my foreclosure lawyer was in contact with the mortgage company 's foreclosure firm and they had agreed in principle to let the insurance payout funds to be applied under certain stipulations ( the paperwork that was already filed with the mortgage company ). 

Today ( XX/XX/XXXX ), the mortgage company is now saying that we are in a short sale status because the buyer 's offer is less than the amount owed and we have to follow the short sale protocols which can take up to 120 days. They are scheduling an appraiser and working with the underwriter to determine the value. We may lose the buyer over all these delays. 

The mortgage company still has NOT applied the insurance payout funds. $ XXXX ( offer ) + $ XXXX ( insurance payout ) is > than amount owed ( $ XXXX ). This appears to be unethical and perhaps illegal to withhold insurance payout money like that.
Consumer complaint received 2022-06-07
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.