davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (TN)

At the beginning of XXXX, XXXX  I requested removal of PMI from my mortgage loan because I had made a large one time payment to reduce my XXXX ratio to 79.3 %. NewRez then sent me a document stating that I would need to pay to get someone to come assess the value of my house because the XXXX value is less than the original value of the property, but if I get my XXXX ratio down to 78 % of the original loan amount then the PMI would be automatically terminated. I made a XXXX time payment on XX/XX/2023 to bring my XXXX down to 77.9 % of the original value of the property. XXXX is now telling me that I still need to pay to have someone come out to assess the value of the house. They are not complying with their original written response of getting my XXXX ratio below 78 % of the original value of the residence. Also, the original value of the residence was assessed in XX/XX/2023 so this is all very recent. So far I have paid PMI for the month of XXXX and XXXX.
Consumer complaint received 2023-11-03
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. (FL)

Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. 

The following accounts are being reported on my consumer report, and I request their removal : 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 would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. 

I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. 

I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (MD)

XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

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 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2023 Every other week I receive a paycheck in my checking account from my employer. Today it was not deposited in to the account. I checked with payroll and everything was fine, so I called Truist bank where my checking account is. I asked about the deposit, and the customer service rep said she saw no deposits in process. When I said it should be there and the amount and company she said " the system was down for maintenance ''. I know that is not true because no company would do maintenance during normal working hours ; especially something as important as banking services. I told her kindly that answer would not suffice to which I was told that all she could do was send a note to escalate the issue. This was all by XXXX this morning. I told her to include in the note that I want a call back today asap and the late fees I receive due to not having my funds available were going to be reimbursed to me by the bank. I have not received a phone call yet. I searched online to find any kind of reference to what the problem is or if Truist even sent anyone any kind of notice. I did not find anything. They do now have a notice on the web page for Truist finally, but it says nothing about deposits being affected. It references " online services ''. I know that means deposits too, but not everyone knows that. I find this kind of service to be unacceptable. I can not even pay my rent due to this issue. This can not be acceptable, is it??
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Since I discovered my credit report on XXXX which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly
Consumer complaint received 2023-11-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America left me stranded with no money whatsoever as they froze all my accounts on XX/XX/XXXX which included savings account, personal checking account, business checking account, debit card, credit card with no legal reason causing me emotional traumatic anguish in addition to telling me that they did not plan to ever release my funds. 
Although in complaining to Consumer Finance Bank of America finally released my funds weeks later, I firmly believe that Bank of American must compensate me for the mental anguish they put me through by leaving me with no money whatever in addition to destroying my business reputation as the business checks I issued prior to my accounts being frozen were not able to be cashed by the recipients and, consequently, I was threatened by the recipients to call the police because they felt I had given them back checks. 

I firmly believe that Bank of America destroyed my life by leaving me with no money whatsoever to spend for weeks and, therefore, they should be fined in addition to having them compensate for my traumatic stress.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent item associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. I am asking for your assistance to remove these fraudulent item in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
Consumer complaint received 2024-11-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Our loan officer with XXXX told us she was going to contact the VA to see how much we would qualify for on a home loan. 
Next AmeriSave contacted my husband and asked for our credit card information to run a hard credit check for a pre-approval. Since they already had so much of our info we thought they were part of the VA half of the process. They took the money, ran a second hard credit check on my husband 's credit, and mine, before we understood that companies like this get our information from the credit bureaus and have nothing to do with the original process. 
We now have an unnecessary and unwanted mark on our credit reports, which will have a negative influence on our credit reports and borrowing ability. They also wasted our money. As first time home buyers this has filled us with XXXX, mistrust and is a waste of time while we should be working to save for a down payment. 
My husband has tried calling to get a refund and get this fixed, but no one has answered during business hours when he called the customer service number. We have, instead, gotten calls from other branches of AmeriSave to try and have us a secure a loan with them even though he and our loan officer has told them to put us on the " do not call '' list. My husband was able to explain this when he called back and got the customer service number. 
We did not know this could happen until it was too late. We hope that by reporting this we can save others from this experience. We hope the bill passes through Congress to make this predatory behavior stop. 

Thank you for your help, XXXX
Consumer complaint received 2023-06-29
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. (IL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX BANK XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK NA XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting 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)

I hope this letter finds you well. I am writing to address a matter of concern regarding the reporting of late payments on my credit report. After a thorough review of my financial records, it has come to my attention that there are inaccuracies in the information you have reported. 

I kindly request that you promptly investigate and remove these late payments from my credit report. I believe that correcting this discrepancy is crucial to maintaining the accuracy of my credit history. I have made multiple attempts to resolve this matter with your organization, but regrettably, no satisfactory resolution has been provided. 

Furthermore, I would like to bring to your attention the arbitration provision outlined in the loan agreement. As a consumer, I am fully aware of my rights under this provision. In the event that the reported late payments are not rectified within a reasonable timeframe, I am prepared to exercise my right to initiate arbitration proceedings. 

Please be advised that pursuing arbitration would not only incur significant costs for XXXXTransunion , including attorney fees, an initiation fee, a case management fee, and an arbitration fee, but may also result in additional fees throughout the arbitration process. It is my sincere hope that we can resolve this matter amicably and avoid the unnecessary expenditure of resources. 

I believe that cooperation in this matter is in the best interest of both parties. I kindly request that you acknowledge receipt of this letter and provide a timeline for the resolution of the aforementioned issue. Your prompt attention to this matter is greatly appreciated. 

The arbitration necessitates that both parties share the associated costs. While I understand that this will result in financial burden for both of us, it is essential to recognize that the fees involved in arbitration can be significant. I anticipate that XXXXXXXX XXXX  XXXX will incur XXXX  of dollars in attorneys fees, an initiation fee is {$360.00} or more a case management fee of {$1400.00} an an arbitration deposit fee of {$1500.00} among other costs. Given the substantial financial implications, it is in the best interest of XXXX to take immediate actions to resolve this matter I remain open to an amicable resolution and kindly request that you promptly investigate and rectify the late payment issue on my personal loan account. I trust that a fair resolution can be reached to the satisfaction of both parties. 

Please consider this letter as my final attempt to address this matter outside of arbitration. If I do not receive satisfactory response within [ reasonable time frame, e.g., 15 business days ] Thank you for your understanding and cooperation. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-06-29
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/ 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (TX)

Aidvantage is reporting balances to XXXX although my accounts were transferred to XXXX. I submitted multiple disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in XXXX stating Aidvantage verified the debt therefore it can not be removed. I submitted another dispute with XXXX today, XX/XX/XXXX. 

My XXXX report reported duplicate balances from Aidvantage and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from Aidvantage have been removed except XXXX for {$2400.00} and XXXX for {$2100.00}. These also show for XXXX. 

Additionally, I contacted Aidvantage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with Aidvantage stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith Aidvantage will actually resolve the issue since they have were notified of this issue in early XXXX.