davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2020-07-16
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. (PA)

I mailed in a dispute letter to Transunion  Consumer Services, asking them to verify inaccuracies that are listed on my credit report. 

My initial dispute letter was mailed to Transunion on XX/XX/2020 by certified mail. The letter was received by Transunion on XX/XX/2020 at XXXX. ( Certified Mail tracking slip attached ) Tracking number : XXXX In the letter, I disputed 2 collection accounts and 1 charge off account. I received communication from Transunion regarding my dispute on XX/XX/2020 informing me that they have received my dispute and are currently investigating the inaccuracies and will let me know of the results of the investigation. As a result, one collection account was removed, but then the other disputed items were only verified as " accurate ''. In my dispute letter, I clearly stated that I need physical proof and documentation of the verification of these accounts, NOT just wording that " states '' the information is accurate. The results gave no clear indication or documentation of how these accounts were verified. They provided no information regarding who they talked to, what documentation/contracts they have in their file to prove my accountability for these accounts. All they sent me was an updated copy of my credit report. Very disappointing! 

Moving forward, on XX/XX/2020 I mailed another letter to Transunion by certified mail. Tracking number XXXX. Requesting information and proof on their methods of verification. The letter was received by Transunion on XX/XX/2020 at XXXX. In the letter I clearly stated a timeline of only 15 days to send me verifiable proof/documents of the accounts that were still in question from dispute # 1. 15 days has since passed and I have not received any correspondence back from Transunion nor any updates to my credit report. I am extremely disappointed in the dispute process by Transunion and I want this information off my credit report, before I pursure legal action.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I had a home mortgage with Freedom Mortgage which I purchased with them in 2017. 

When the pandemic hit I got ill with covid and unfortunately was off work for almost 5 months so I had to utilize the Forbearance plan. Although my payment history was intact they sold my loan to another lender. Shortly after I sold the home and attempted to secure a new loan with Freedom Mortgage for which I was denied a loan. 

What I don't understand is how the underwriters could deny me if I my history with their company were overall positive and at the time of the application my credit was in good standing.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IL)

I have a Citibank credit card and they suddenly informed me that they are " closing my account '' with no explanation, even though I have had no payment issues, and have asked for explanations multiple times. I have called Citi customer service 4 times in the past week, and every time, the representative tells me something different. One representative told me they couldn't re-issue me a card because of something on my " credit report '' and I have to " call the credit bureau to find out why Citi can't reissue me a card. '' ( I then checked my credit score on XXXX, XXXX, and XXXX, and all three list my credit score as either XXXX or XXXX. I have a very good credit score and no issues paying my Citibank account. I make over {$300000.00} in salary annually. ) Another Citi representative told me my account was closing and they had " no idea '' why it was closing. A different Citi representative told me they would " raise a complaint internally '' about my account closing, but I never got a response from that. A fourth Citi representative told me they would " send me a letter '' electronically or via paper mail explaining why they were closing my account, but I have not received an electronic message or paper mail explanation. 

I have held a Citibank credit card for years. Every month I pay the entire balance due, and I pay on time. I have never had any issues getting replacement cards for new cards once my prior card expired, including from Citi itself. I do not know why Citi is refusing to reissue me a new card once my account expired in XXXX, but it is apparently not based on my payment history, and they are refusing to tell me why. I think this company should be held accountable for its horrible business practices.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (NJ)

MARINER FINANCE ; LOCATED AT : XXXX XXXX XXXX XXXX  XXXX, MD XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$5200.00}. THE CHARGE OFF HAS BEEN REPORTED CLOSED, WITH A PAST DUE BALANCE. I DO NOT OWE THIS DEBT. I HAVE NEVER OWED ANY OUTSTANDING DEBT WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE FOR THIS DEBT.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX XXXX  was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXX, leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (MD)

XXXX XXXX and XXXX XXXX, Essex Mortgage, Loan # XXXX, I am writing on behalf of my mother XXXX XXXX I handle all of her affairs. The property XXXX XXXX was acquired on XX/XX/2021, with a mortgage amount of {$1300.00}. I have been making the payments before the due date since purchasing the home. In XX/XX/2021, we received a letter from Essex Mortgage stating that they could not reach the insurance company that we used to purchase the home the letter informed us that if they did not receive the information they would purchase a second homeowner 's insurance policy if they did not receive it. I reached out to the same company they could not reach on XX/XX/2021 ( I have email proof ), and was emailed the entire insurance packet. Their letter stated to upload the documents to their insurance website which I did. I also spoke to someone regarding the situation. A few months later I was going through the escrow account and saw where they decided to take my money and purchase second insurance because they didn't have the time to verify it so they decided to put her in financial hardship. Once I noticed this I immediately got on the phone and called them. I spent 1 hour of my work time trying to do their job and get in contact with the insurance company which we did, and which brings us to another issue from the decision they decided to make. My mortgage for the month of XXXX is {$1800.00} which I found out by trying to make my regular payment of XXXX which I can afford to pay. I called them again today, and I was told the refund from the insurance payment came in late which is affecting XXXX 's payment. I asked them to correct the payment because we should not be having this issue in the first place had everyone done their job. I do mines by sending on-time monthly payments it's their job to disburse the funds correctly and timely. They want me to make a payment I do not owe to them and should not owe them. They owe me for the year headache I have had with them. This is not my first mortgage I had one for 19 years prior to this. I'm asking them tofix my payment accordingly so that I wont be late or end up in foreclosure do to know fault of my own, please not that I have the regular payment today of {$1300.00}
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

This illegitimate debt that was already PAID IN FULL to XXXX XXXX XXXX , XXXX in XXXX and XXXX XXXX working with each other and was handed over by them to CBE Group , Inc. in the last year XXXX for possible more illegal collection. CBE Group , Inc. has attempted on many occasions to contact me by mail and phone regarding this PAID IN FULL amount as seen on the photos attached herein. They have also tried personal harassment at my gym, shopping centers, and eateries as well as following me in cars and trucks of which my attorneys private investigators have video taped and cross checked names and address 's of the owners of said vehicles and employment histories.. We have turned all information to the Ca. State Attorney Generals offices as well as the FBI Offices in XXXX Ca. for Highly illegal EXTORTION attempts as well as Collusion to commit crime as an organization under Federal RICO Act. Stated clearly in the document using U.S. MAIL system on the envelope it was mailed in constitutes Federal Mail Fraud and that is included per the photos enclosed.. XXXX XXXX XXXX , XXXX handed this file over to CBE Group , Inc. knowing full well it had been previously PAID IN FULL in XXXX for the amount of {$2300.00} and Nothing was then owed again.. CBE Group, Inc. then attempted ti send letters dated XX/XX/XXXX!! to collect an additional {$710.00} that was part of the original payoff to XXXX XXXX XXXX , XXXX in XXXX per XXXX answer to the complaint filed on XX/XX/XXXX here in CFPB. So how does a NEW. bill show up for the same PAID IN FULL account XXXX years PREVIOUS?! 
This is a classic " Handoff '' the FBI has informed my attorney to collect further debt illegally and with malice intended of a debt not owed.. CBE Group , Inc. knows full well that my name was changed legally in XXXX XXXX XXXX for inheritance purposes from XXXX XXXX , my step dads family name to, XXXX XXXX as per my Ca. State Drivers license, U.S. Passport and Social Security Number. They know this clearly and still harass by using a prior legal name that has been changed for over 3 years. It's clear they don't think the law applies to them so we will have show them that it does apply. The recently passed Collection Act in XXXX of XXXX will soon see addendums being added to it to curb all illegal activities of Collection Co 's in Ca. as per our conversations with law enforcement and judiciary commitees. The DRE, Construction Licensing, Labor, Medical, Insurance, review boards came into existence in California and Federally for this very reason.. To many idiots that think they are above the law and abusing it regularly...
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (OK)

Never contacted by apartment regarding any debt, even though they had my contact info for cell phone and mailing address. Debt collector sent mail notifying me of debt to mailing address of a friend, not to my own residence. Debt in question is exorbitant, only existing damage to the unit was carpet replacement which was covered by my deposit. Timeline for the debt being viable is in question, as I haven't lived in that apartment in over 3 years.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one whose recorded telephone calls I requested. Is involved with trying to fake a situation with accomplice law enforcement officers and steal my debit card. The retuned letter from capital one leads to the accomplice 0hone calls that day about this crime. XXXX has chatter that proves this and XXXX XXXX has them trying to set it up.
Consumer complaint received 2020-08-16
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. (GA)

I have been disputing with Experian about the same incorrect items as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying items verified or call the creditors directly. I ask for proof of debt validation of these accounts, but they do not provide anything to show how they validated these accounts as being 100 % accurate or verifiable per FCRA. 

I have reached out to these alleged companies and they either do not have my information on file or they did not respond to my certified letters asking for proof that the accounts belong to me. My concern is, how is Experian validating a debt as being accurate but when I call or write a dispute letter with the information, they provided on my credit report get no response from the creditor? In this case, Experian has failed me in making sure that all information they put on my credit report is 100 % accurate and verifiable. This is damaging my overall credit report with future creditors.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.