davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-29
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. (TX)

My husband and I had to do a loan modification with XXXX XXXX in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.
Consumer complaint received 2022-06-04
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. (PA)

The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections. 
This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.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 2023-06-02
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. (TX)

I submitted a detailed formal letter to Equifax via USPS Certified mail on XX/XX/2023. My letter outlined the concerns that I had regarding specific accounts that were being reported by their bureau as well as a detailed explanation as to why I wanted the inaccuracies investigated and corrected appropriately ; I also attached two FTC reports with documentation for the accounts in question and a copy of my drivers license and Social Security card in order to verify my identity. I contacted Equifax on XX/XX/2023 and spoke with a supervisor named XXXX, who informed me that although Equifax confirmed that they received my dispute and deleted one item from my credit report that was found to be inaccurate they did not investigate any of the other 5 accounts in question, nor did they keep record of the letter or supporting documentation. 
I filed a formal complaint with XXXX and was then advised that perhaps the documents hadnt been scanned into their system yet and that I would hopefully hear back from someone at Equifax regarding my formal complaint. I find Equifaxs complete failure to investigate this matter and lack of record keeping to be a violation of the FCRA and would like some form of action taken against the representative at Equifax who failed to properly investigate my dispute and lost my original letter and supporting documents.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : 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 2020-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (CA)

I had a contract with XXXX about a rental vehicle. After I returned the vehicle, I discovered that I was charged an amount over 10 times greater than what was on the contract. I called my credit card company and told them to return my money as the XXXX representatives insisted on fraudulently and illegally keeping my money despite there being no contractual basis of doing so. I was given the money back by my credit card company and the XXXX representatives then wrongfully generated an account for me with the amount of money that they criminally established. I was later contacted by the debt collector agency First Financial Asset Mgmt and they insisted that this debt was completely valid. When I requested proof knowing they had none, they sent nonsensical documentation of the falsified amount in the account generated that I mentioned above and claimed that was " verification '' of this fraudulent debt. I told them over the phone and via letter repeatedly that there was a contact established and they are collecting an amount that I do not owe per contract. They consistently harassed me for this amount that I do NOT owe and even attempted to conjure an arbitrary monetary offer ( that was still far outside of the contract established ) in a manipulative effort to provide me the " opportunity to resolve '' this debt. They continue to harass me by trying to collect this fraudulent debt yet have not demonstrated a legal basis in which I am bound to pay as I am visibly not required to pay anything out of contract, let alone for a service I did not receive.
Consumer complaint received 2022-07-03
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Social Finance, Inc. (FL)

my mom was resaving money from ssa and I didn't find out until XXXX or late XXXX when they call me by mistake they sent me 3 or 4 check i dint know what it was for I didn't ask because I need the money at the time for me and my baby girl so i had it switched to my boyfriend name four months later i get a call saying to come in to the office they mail me a later with the address and everything on it so I went and they said that they was going to stop sending the money and that it had to be paid back so i was thinking that the three or four check had to be paid back but they told us in a latter that it was XXXX and i never resaved all that money I was living with my god father and mother when all of this had accord and after i got done with school i went to live in Kentucky in late XXXX early XXXX came back got my own places and got a job now i have XXXX kids and it had to try to save money for my kids and get them the stuff that they need when this money didn't all come to me
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXXXXXX XXXX  SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX OH XXXX
Consumer complaint received 2022-08-20
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. (AL)

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 instruction.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

Bought an item at XXXX XXXX using a new comenity bank credit card on XX/XX/XXXX I had purchased roughly $ XXXX in fishing gear. I paid {$200.00} cash leaving roughly {$90.00} on the card I do bot have exact amounts on hand but can find them as needed. I went to make first payment XX/XX/XXXX website wouldnt let me register my card. Kept saying there was an issue. Tried the next day and got the same thing. Then the next day a message on the site says regular maintenance shut down been this way ever since, been trying to pay by calling and could finally pay tonight XXXX on a quick pay option, was charged {$32.00} in late fee, and will likely ding my credit as I dont fit into their XXXX message. my issue is they have a new message saying that they will not ding credit and charge late fees for XXXX. Ive been trying to pay since the XXXX. Also they say my payment was due the XX/XX/XXXX which I had gotten the card XX/XX/XXXX. That is not a month, I could not register my account, maybe already registered account holders could sign in and pay till XX/XX/XXXX but I, a new card holder was unable to register my card. I tried to register tonight XXXX and it says my card is already registered and activated which is impossible. Im extremely frustrated and have been building my credit responsibility since I turned XXXX ( now XXXX ) without one late payment and now Im scared my perfect track record will be ruined due to this issue. As a new account holder I was affected more than an account holder whoms account was registered already. I have made a {$90.00} payment as owed tonight and do not want to pay a late fee for these issues. I do not want to be charged as I was likely the first to see these issues and afraid they will hurt my credit to take my money and close the window of effected customers to a narrow XXXX which is not when these problems had first began
Consumer complaint received 2022-12-15
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX XXXX vendor num XXXX XXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.
Consumer complaint received 2022-07-03
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX XXXX XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquirieXXXX XXXX XXXX  XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX  XX/XX/XXXX 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 in account without my written instructions
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to Equifax, XXXX, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX  XXXX {$680.00} XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX XXXX {$180.00}
Consumer complaint received 2022-07-03
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: TRUIST FINANCIAL CORPORATION (FL)

This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

This is my third complaint filed with CFPB against the abusive mortgage practices of Nationstar d/b/a Mr. Cooper. For nearly five years after a layoff that required me to move across country, they have been mishandling a mortgage on my home in XXXX, refusing to timely process a deed-in-lieu, refusing to to respond to any short sale offers, refusing to foreclose, and refusing any form of load modification. 

We were finally able to sell the house. We obtained a payoff letter from Mr. Cooper on XX/XX/XXXX and Mr. Cooper was paid in full by cashier 's check by XXXX XXXX XXXX XXXX less than 48 hours later on XX/XX/XXXX. 

Mr. Cooper is new refusing to honor the payoff quote. Today, an agent of theirs in XXXX made numerous spurious and false claims about the payoff quote not including various costs like house repairs and attorney 's fees. These claims are false. 

After doing nothing with the property since our default began in XX/XX/XXXX, Mr. Cooper is now apparently attempting to make claims that it incurred additional fees in the 48 hours between the moment the payoff quote was generated on Wednesday XX/XX/XXXX and when the loan was paid in full on Friday XX/XX/XXXX. This is clearly a lie and is yet more evidence of an ongoing pattern of abuse against me as borrower.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!