davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Bueno Title and Escrow (NM)

The Survey Affidavit is a sworn legal document signed by the Seller that no changes have been made to the property since the prior survey was completed. The home at the above stated address was constructed in XXXX. Utilizing a survey dated XXXX and several aerials taken in subsequent years, we were able to estimate that in approximately XXXX, an approximately 10 x 10 detached workshop was built by the owners of the home at the time. NOTE : Bueno Title & Escrow submitted the Survey Affidavit to the wrong party in this real estate transaction. XXXX XXXX had the Buyers signed the Survey Affidavit and not the Seller. An erroneous mistaken. You can not have the Seller and the Buyer be the same individuals in a real estate transaction for a mortgage. This does not meet the requirement by my lender XXXX XXXX XXXX XXXX as improvements were made to the property. Bueno Title should have requested a new Survey. There is no date on the Survey Affidavit that makes reference to the attached surveys date. We ( the Buyers ), was unaware that XXXX was presenting a five-year-old survey map that did not reflect the permanent improvements that was made by the Seller after XXXX to the property. Bueno title failed to verify the information given by the seller ( XXXX XXXX ) and the seller ' s agent, XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX did not perform an on-site visit. A workshop was constructed ( see MLS ' photos ) which did alter the property dimension as it relates to the easement requirements and other requirements. The workshop must comply with setback and easement requirements, and, must be constructed in a manner that will not jeopardize life safety and the protection of property, per the XXXX XXXX XXXX XXXX and XXXX XXXX. After we began our remodeling project, Building Inspector, Mr. XXXX XXXX, stated that the workshop was not in compliance with setback and easement requirements, and was not constructed according to industry accepted standards. A verbal stop work order on the workshop until a variance was obtained. Bueno Title is negligent as well the Sellers agent for not disclosing and providing misleading information during the closing process. We alerted XXXX XXXX XXXX XXXX regarding the false and inaccurate Survey Affidavit to open an investigate into this matter. 
Our agent, XXXX XXXX ( XXXX  XXXX XXXX ) was advised of the situation and she admitted that her and XXXX were at the property that this clearly omission and error. Negligence of the title company failure to disclose lien against the property and I have that information. It was public records in the office of the clerk XXXX XXXX XXXX in the State of New Mexico on XX/XX/XXXX as the instrument number XXXX.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MD)

I received letters in the mail stating that a credit card, and change of address was made on my account with Genesisfs Card Services. The problem is I never applied for this credit card service!!
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I applied for a Carecredit Credit card for my sick dog. It will help pay for medical care for my dog. I got the card approved on XX/XX/XXXX XXXXand have been waiting to use it when the Vet is ready to proceed with the care required for my sick dog. I have not used the card yet. I have a XXXX  balance because we are hopeful my dog will recover without XXXX. I received a letter in the mail yesterday it states they cancel the credit card due to their mistake .... and that I should not have gotten the card at all due to credit hx. They are sorry but I should have never gotten the card. I think it because I'm waiting for the time I will need the credit card for my dog. Did they run my credit again or are they mad I have not earn them any money. I planned to use it to save my dogs life. It's made to be used for medical care.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.Equifax sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the Equifax credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from XXXX XXXX loan offer up to XXXX XX/XX/XXXX, I applied online for the XXXX XXXX offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the XXXX XXXX quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXXShe asked for my SSN number to look up information.XXXX stated to me that my credit score is XXXX and to be considered for a loan, it should be at least XXXX or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX stated it generally means bankruptcy.After that conversation, I logged onto Equifax at www.equifax.com.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXXAfter looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of Exquifaxs not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

On XXXX  I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. 2. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. The representative XXXX in the fraud department of Midland Credit Management told me that he will mail me the letter to let me know what documentations that I need to provided. On XXXX I received the letter, and I faxed them back the identity fraud as they requested.
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TN)

I disputed the debt that has a date of XX/XX/2023 in the amount of XXXX I dont have a contract with the collector therefore I dont owe them any money. This is supposed to be a medical bill and for a third party to have medical information that allegedly belongs to me is a HIPPA violation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-02
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. (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 XXXX XXXX 1681.

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX : XXXX XXXX XXXX - XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX : XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information

must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUSTMARK CORPORATION (FL)

We sent an ACH to a company XXXX  XXXX XXXX and XXXX XXXX on XX/XX/2023 in the amount of {$13000.00} the beneficiary was stated as XXXX XXXX XXXX and XXXX XXXX but Trustmark National Bank paid the money to a personal account and not to the beneficiary as named. It turns out the companies account was hacked and a fraudulent email was sent requesting payment to this account. as the beneficiary name was not a match the funds should have been returned and not delivered. the bank has to take responsibility to verify the company name just like on a check. My bank can not pull back the money without the receiving bank sending it. this is fraud and Trustmark Bank should have flagged it and not paid it.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report has dropped from XX/XX/2023 from XXXX to XXXX XX/XX/2023 without a balance and the only change was hard inquiries dropping off. In XXXX of 2023 my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, XXXX, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Consumer complaint received 2023-06-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : 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 2023-06-13
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: EQUIFAX, INC. (NC)

Equifax has a block or freeze on my report. I have sent documents proving my identity. I can not access the report and the bank can not open my credit report either. We are trying to buy house and without that score we can not get a house. There is a error code that comes up as XXXX  They also had my middle name wrong I sent documents with that also. They keep saying they fixed it but it never gets fixed. I have talked to them numerous times over the past couple weeks, actually the past year has been a nightmare.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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. 

The letters are stated with items and issues. 

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 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: M1 Holdings Inc. (CA)

I was approved for a personal loan in the amount of {$2500.00} and was told it would be deposited to my bank account within a few days. Two weeks went by I still haven't received any money I was going back and forth with my bank and the loan company over the phone, my bank said their system isn't showing any pending deposits and I should reach out to the loan company. I reach out to the loan company about what was going on with the loan and they said that it got canceled and didn't give me any information why it was canceled.
Consumer complaint received 2023-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.