davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-21
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. (FL)

My Auto Insurance states that I did'nt get their best rate because I have only lived at my current address for XXXX  months ( Equifax Report ) not the XXXX months that is required to get the best rate. 
As you can see from the info copied from Equifax 's website I have lived here since XXXX. 
I moved from as of XX/XX/XXXX But some unknown entity reported me living at a different address onXX/XX/XXXX. 
This address is an address I lived atfrom XXXX I spoke with Equifax and was told that they can not correct the information, only remove it. 
As that would remove over XXXX years of my residence history I told do not completely remove the address. 
This is Crucial History and I am appalled that False Information can be added to your Credt Report Permantly and not be able to be corrected, only removed DATE STATUS ADDRESS XXXX XXXX, XXXX CURRENT Dispute this XXXX XXXX, XXXX  FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

My wife and I closed on a 30 year fixed rate conventional mortgage on a second home on XX/XX/2022. The mortgage company the provided the loan was Primary Residentional Mortgage Inc. This part went off without a hitch. 
We received a letter from XXXX dated XX/XX/2022 that servicing of our mortgage was being transferred to XXXX  and that payments beginning XX/XX/2022, which was the due date of our first payment, would be with XXXX. We expected to receive a welcome letter from XXXX with information about making payments on our mortgage to them. We have not received any communication from XXXX as of XX/XX/2022. 
In late XXXX, not having received communication from XXXX, we attempted to contact XXXX to get instructions on making our first mortgage payment. The XXXX customer service number provided in the XX/XX/XXXX communication from XXXX was no longer in service. So we contacted XXXX customer service to ask what to do. XXXX stated that they could not accept mortgage payments because XXXX was now responsible for the loan. But XXXX did provide an updated customer service number for XXXX. We used the updated number to contact XXXX. XXXX  customer service tried looking up loan information by both my social security number and my wife 's social security number, but found no loans associated with us and told us they could not help us. 
Not wanting to become delinquent on our mortgage, we mailed a check for our payment amount to the XXXX  Payment Processing address provided in the XX/XX/XXXX letter from XXXX along with the XX/XX/XXXX payment coupon to XXXX that we received at closing. We assumed that XXXX would be able to correlate the property address on the coupon and our names to the correct account. However, as of XX/XX/XXXX, the check has not been cashed. 
We again contacted XXXX customer service on XX/XX/XXXX to discuss the check not being cashed and any updates on our loan transfer. XXXX  customer service again indicated they did not have any information on our loan and could not help us. 
I sent an email on XX/XX/XXXX to our XXXX loan officer that we worked with originally to request inputs from him on how to proceed. No response yet from our loan officer. 
We are very concerned that something has gone wrong in the loan transfer process and that when it gets sorted out we will be accused of being late on our mortgage payments, be put into default status and our credit rating affected. We are looking for any possible assistance to get this problem cleared up and to document that we have been diligent on attempting to make the payments that we owe on this mortgage. 
Thank you in advance for any assistance that can be provided.
Consumer complaint received 2022-06-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We went to a Bank of America branch on XX/XX/2022 to open a {$2000.00} cd with cash on hand to be mature in XX/XX/2022 as fixed term, we gave him the cash to the teller and they created the CD, I have a screenshot from my banking mobile app that proof the CD was created few days later the CD disappeared from my mobile app, we contacted the bank over 10 times now and they failed to explain what happen, they said the cd got cancelled because missing funds, we went to the branch a gave them money, how is that the CD is not supported with the money, then they said XXXX got close and was sent to my checking acct, no true I dont see a transaction showing amount coming from Closed CD acct, this was supposed to be a fixed term CD to mature in almost XXXX why a few days after it got open they closed it without telling Us with no authorization from Us and/or more importantly without a valid CD transaction #, please help Us we have reached managements, XXXX XXXX, Corporate Customer Service and every time we speak with them they give us different, inaccurate and untruthful Information
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC (PA)

I reached out to multiple agents from National Recovery Agency via email and phone regarding an account theyve created from XXXX! However, I contacted XXXX they did their investigation and updated the balance of {$180.00} and sent the updated amount to XXXX XXXX XXXX another collection agency, I sent all documentation to national recovery as I was told to email the documents. A team lead name XXXX XXXX responds to the email stating he will send it over to their client service team and update the balance. Which is incorrect because the updated balance is with another collection company and I stated that via phone twice to 2 different agents which they hung up on me because I stated its nothing they can do with the account anymore! Now XXXX XXXX is ignoring my phone calls and not responding to my emails as I sent over proof that theyre no longer have any account with my information that it was corrected by XXXX and sent to another agency.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NY)

I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of " investigating the consumer. '' According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/ she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not 100 percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. 

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX University XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX & XXXXXXXX XXXX.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX I placed a check in the mail. It was stolen from the mailbox, altered to show a different recipient and an amount of {$10000.00}. The check was accepted by the bank, CapitolOne, and debited to my account.

As soon as I became aware that she check had not been received by the intended recipient, I contacted the bank. and was told that the matter would be investigated ( case # XXXX ). In repeated follow-ups in person and by phone, I was given no further information. 
Finally, on XX/XX/2022 I received an email asking me to complete an Affidavit of Altered Check, containing only information the bank had from the beginning. The email stated : " Once the documents have been received and are acceptable, a provisional credit may be issued while the investigation is ongoing '', I submitted the notarised affidavit the following day. I have heard nothing further and suspect that CapitolOne is dragging this out hoping I will go away.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Please also refer to complaint # XXXX for more info. 

On XX/XX/XXXX HomePoint Mortgage took ownership of our mortgage. On XX/XX/XXXX, the account is noted that taxes are paid in full with XXXX XXXX. They state that in XX/XX/XXXX, prior to selling the mortgage to XXXX XXXX ( effective XX/XX/XXXX ), they sent a tax disbursement to XXXX XXXX of XXXX. XXXX XXXX never received this payment and there are absolutely {$0.00} paid towards our property taxes while Home Point Financial services our mortgage. We are now, one year later dealing with the escrow account deficiencies because over {$3700.00} is missing from our escrow account, that it appears Home Point mismanaged. 

Home Point Financial owes {$3700.00} to XXXX XXXX for our escrow account to fix this error that is causing substantial financial impacts to me and my husband.
Consumer complaint received 2022-06-09
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. (MD)

This complaint is in reference to complaint number XXXX. The company 's response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Consumer complaint received 2022-06-09
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. (GA)

In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

On XX/XX/2021 I sent Firspoint Collection a debt validation letter pursuant to 15 USC 1692g. I requested that they send me the requested information within 30 days from receipt of letter. The letter was delivered XX/XX/2021 ( proof attached ). It has been 30 days and I have not received any information requested to validate this alleged account. Since they have not provided me with any information to validate this alleged account I am demanding that they immediately XXXX  out the balance on this alleged account and delete this alleged account from all consumer credit reports.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my Transunion report and provided this information over to the reps, and managers at Transunion over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (AL)

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 XXXX XXXX XXXX n accordance with the Fair Credit Reporting act 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 2022-07-25
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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 2022-04-16
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-03
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. (AZ)

Dear CFPB, I am writing to file a formal complaint against XXXX, Transunion, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2019-10-28
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. (GA)

I WANT TO KNOW THE EXACT REASON OR REASONS AS TO WHY THE ACCOUNT FOR XXXX OF A TOTAL OF XXXX DOLLARS. THIS ACCOUNT SEEMS TO BE ONLY REFLECTING UNDER EQUIFAX, AS AN UNPAID- CHARGE-OFF. NOTHING HAS BEEN DONE ABOUT THIS ACCOUNT AND I DEMAND TO KNOW THE REASON WHY. AFTER SEVERAL ATTEMPTS TRYING TO REMOVE THIS ACCOUNT FROM MY REPORT, NOTHING HAS BEEN DONE ABOUT THIS MATTER. THE FIRST ATTEMPT AT REMOVING THE NEGATIVE ACCOUNT FROM MY CREDIT REPORT WAS ON : XX/XX/2018, A DISPUTE LETTER WAS SENT TO EQUIFAX AND THEY DID NOTHING ABOUT IT, NOR DID THEY RESPOND TO MY CONCERN. THIS IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT AND THE GOALS I HAVE YET TO ACHIEVE, PLEASE HELP ME WITH THIS.
Consumer complaint received 2022-04-16
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX U

.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.