davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently called Equifax at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (PA)

To whom it may concern, According to Selene Finance my loan transferred from XXXX  XXXX XXXX 10 years ago and today date ; this company has never sent me a Mortgage statement until today XX/XX/XXXX with the statement payment due is {$1800.00} due on XX/XX/XXXX,. I made this request at least 1 year ago requesting previous mortgage statements and was never sent to me after being told I must put my request in writing and allow them 30 days to respond. In addition, My real estate Taxes for XXXX are Delinquent. I am in the process of refinance a Mortgage with a cash through the XXXX XXXX XXXX XXXX and after bringing my loan current by making a double payment in the amount of {$900.00}. All of a sudden the current status of my payments changed and I was told XX/XX/XXXX that now I owed {$900.00} and as usual the day before I was not able to use their automated payment system on the phone system. I had to speak with a representative to pay my bill that was seldom allowable to me. A year ago I could not close on a refinance loan with XXXX XXXX because of them not having issued me any mortgage statement, I had to request a payment history from Selene finance which was provided to XXXX XXXX making my paying appear as if I only payed 6 months out of 2 years, which caused me to be denied approval for my refinance and cash out, to make home improvements, etc. Furthermore, they are trying to cause this loan to be denied as well. IT was less than 5 days ago, my payment due was {$530.00} for the month of XXXX until speaking with Selene 's Customer Service ( Loss Mitigation Department ) on XX/XX/XXXX, Now I was due to pay, now within two days I owe a payment due for XX/XX/XXXX {$1800.00}. I paid {$530.00} after the representative I spoke with said, " I can put the difference on the back end of my loan ''. XX/XX/XXXX. I have a tentative approval again with a XXXX score of XXXX now awaiting the paperwork from Selene Finance and now all of this confusion and no prior knowledge of this information!!! 
Please assist me in resolving this problem affecting my ability to leave this company!
Consumer complaint received 2024-02-05
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. (OK)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Ive also contacted Equifax, XXXX XXXX and XXXX regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau, XXXX XXXXXXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.
Consumer complaint received 2024-02-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK (IN)

I've made several attempts to reach out to Discover, as well as their indenture trustee XXXX XXXX XXXX XXXX, XXXX, XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With XXXX XXXX  XXXX XXXX being the indentured trustee, your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations. I am requesting a full refund of all old securities including any interest or returns that may have been affected by the alleged fraudulent activities. I'm requesting a comprehensive investigation report outlining the findings of the internal investigation. This report should include a clear explanation of the actions taken to rectify the situation and prevent such conduct from reoccurring. Given the seriousness of the alleged securities fraud I am consulting with legal counsel to explore all available legal remedies. Your cooperation and prompt resolution of this matter can avoid protracted legal proceedings. I am open to engaging in constructive dialogue to resolve this matter.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2022 I used my Chase personal checking account card to make 2 {$500.00} payments through the XXXX XXXX in the total amount of {$1000.00} to XXXX XXXX the owner of XXXX, XXXX. She does XXXX XXXX services and I was paying for the service. The first payment of {$500.00} went through to her bank which she confirmed that she received and accepted the payment. The second {$500.00} payment that I sent out to XXXX did not go through and it was flagged by Chase bank as a fraudulent transaction. I reached out to Chase bank to complain about the transaction that did not go through and they temporarily gave me my {$500.00} back. Ten days later they wrote me saying they reversed the payment and took the money back. I am upset not only did they deny my transactions but I never received a the full product/service that i wanted from XXXX, XXXX and when I reached out to the owner XXXX refused to give me the product or a refund. This caused problems between myself and her because I took a chance at sending this lady the money and I barely know her. I am writing to you because I want a full refund of {$500.00} from Chase bank for this inconvenience. thank you
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

Ally, XXXX, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. Alley Financial has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Consumer complaint received 2022-01-31
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. (TN)

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in 60 days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally 30 days but up to 45 days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, 60 days, is not acceptable according to the FCRA Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, 30 days, is the maximum allowable time frame, from the date which dispute was received.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-29
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. Here is the item I am asking you to verify as accurate : 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 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (CA)

We received a notice from our lender that they were going to automatically enroll us in PMI after we have already formally requested not to have this charge applied to our loan. We met the criteria to cancel the automatic payments and continue to meet those requirements. They have turned around and are trying to enroll us again.
Consumer complaint received 2024-10-29
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. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card opened with Capital XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

You are infringing on my right to privacy by reporting this information on my credit report without my consent. This breach is both offensive and damaging to my reputation, causing harm to my credit score and negatively affecting my life, as my new credit applications are being denied due to this oversight.
Consumer complaint received 2023-03-17
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 submitted a complaint on XXXX XX/XX/2023 under complaint number XXXX, and just submitted another complaint on XXXX XX/XX/2023 under complaint number XXXX and would like to know what happened to the latest complaint that was submitted. I am a natural person I am a living human being, I have rights under 15USC1681. .According to 15USC 1681 which states the credit bureaus are reporting accurate and complete information. 15USC 1681602A, States I Have The Right To Privacy.15USC 604 ( A ) ( 2 ) Without written instruction from the Consumer. 15USC1681s-2 ( A ) ( 1 ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

In accordance with the written instructions of the consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports the list of accounts below have been violated, Please DELETE THESE ACCOUNTS : XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX US DEPARTMENT OF EDUCATIONXXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

Today XX/XX/2024, I'm reaching out to the CFPB regarding an email I received about an account. I was contacted by " XXXX XXXX '' via email, stating I owe {$690.00} to " XXXX XXXX XXXX XXXX XXXX. '' This account, originating from a XXXX charge 11 years ago, should no longer impact my present or future, and I shouldn't be contacted about it after such a long period by the company or any third party representing them.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports