davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the Metro 2 reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Phone Number : ( XXXX ) XXXX -Employer ( s ) : XXXX XXXX XXXX XXXX XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Phone Number : ( XXXX ) XXXX -Employer ( s ) : XXXX XXXX XXXX XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the Metro 2 format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report, as they were fraudulently opened or initiated without my authorization following a data breach. My request is made under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require credit reporting agencies to take immediate action in cases of identity theft. 
The fraudulent accounts and inquiries are as follows : Accounts : 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 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (IA)

My employer offers a high deductible health plan through XXXX. As a part of the plan, I have the opportunity to use a health savings account to help me save up for health care expenses. My employer has elected to use Optum Bank as the sole provider for managing our HSA accounts. While I haven't had any problems using the account or debit card, Optum Bank is not paying market rates or offering a viable alternative without going through hoops. Currently, the bank is paying 0.01 % APY, meanwhile short term interest rates are hovering between 4.75-5 %. Many online banks and competitive local banks are offering significantly higher market rates. Optum does allow investment in money market funds and mutual funds, but we are required to carry {$2000.00} in the bank account before we have access to those options. Optum also gives the option to rollover funds to another HSA provider, but charges {$20.00} per transfer. This is effectively holding our HSA funds XXXX and paying virtually no interest. They are taking advantage of consumers that have no other choice but to keep their funds with them.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (DE)

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 
these accounts are closed but is was last reported XX/XX/XXXX as negative. This inaccurate and false reporting. Ive worked extremely hard to pay my bills and keep my consumer report in tact. These negative accounts are causing me denials for opportunities I should be considered for. 

XXXX requesting you to delete these inaccurate accounts before I have to exercise my Federal private rights of actions in court. 

How can these be negative and late if closed in XXXX but reported XX/XX/XXXX as a negative ITEM. 

Dept Of Ed/XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Last Updated XX/XX/XXXX
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MN)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2017-04-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc. (WI)

I sent a request for my consumer report on file for AppFolio XXXX Relations. They called me for some reason and said it was for verification to send me my consumer report letter I sent and said I should receive my consumer report in my email, but I receive an email about a dispute, and I don't know why. I never told them to dispute anything and want to report them for misusing my personal information.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XX/XX/year> Subject : Request for Action on Time-Barred Debt Reporting Dear Consumer, Financial Protection Bureau , I am writing to formally request your assistance regarding an issue I am experiencing with Experian concerning a time-barred debt reported on my credit file. The account in question pertains to a XXXX XXXX business credit card. Unfortunately, the business associated with this account has since closed due to financial difficulties. 

As per Georgia law, the statute of limitations for collecting a business credit card debt is four years. As such, this account is considered time-barred and should no longer be reported on my credit file. I have confirmed that the other two major credit bureaus, XXXX and XXXX, have already removed this account from my reports in compliance with the law. However, Experian continues to report this debt, which is inaccurate and unjust. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), a credit reporting agency may not report any account information that is obsolete, including accounts that are time-barred. I believe that Experian is in violation of this provision by continuing to report this outdated debt.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: COAST PROFESSIONAL INC (LA)

On XX/XX/XXXX, my checks were being garnished for XXXX twice a month. on XX/XX/XXXX I completed my loan rehab plan with Coast Professionals and my loans were sold to XXXX. I have called both XXXX and Coast Professional to provide me with a payment summary of how much was taken and where it was applied. Coast Professional rep ( XXXX-she refused to give a last name or ID number ) stated they can no longer see my account with them to call the current servicer of the loan. I spoke with XXXX quite a few times to get some form of verification because of the things I 've seen on the news and read on the internet. No one has yet to provide any documentation.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (GA)

I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for an American Express business checking account with the expectation of receiving a XXXX point welcome bonus, as advertised. I successfully completed all the required steps to earn the bonus. 

My account dashboard confirms that I met all 3 requirements necessary to receive the XXXX points. 

However, it has now been several weeks, and I have yet to receive the welcome bonus. I have contacted American Express customer support numerous times, but I continue to get the run-around with no resolution or clear answers.
Consumer complaint received 2024-10-30
Product: Credit reporting 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)

I am writing to file a formal complaint against TRANSUNION, XXXX ( XXXX XXXX XXXX ) for engaging in discriminatory practices and willful noncompliance with my consumer rights as outlined under various federal laws. Unlike XXXX ( consumer reporting agency ), TU has ignored my request as a consumer to exercise my federally protected rights to privacy and confidentiality. Additionally, as a Federally protected consumer, I am once again OPTING-OUT of ANY and ALL authorization, I the consumer MAY have given TU ( verbally, non-verbally, written, non-written, electronically or non-electronically ) until further notice. Specifically, TU has failed to honor my request to Opt Out of reporting the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX On XX/XX/year>, I submitted a formal request to Opt Out of reporting the above accounts on my consumer report. In my request, I explicitly stated that I was NOT requesting an investigation ( computer code generated ) but was exercising my right to Opt Out of reporting the above accounts, due to not receiving the required disclosures under 15 USC 6802 ( b ), 16 CFR 313.7 ( a ), and 12 CFR 1016 ( a ) ( 1 ) ( 2 ), or PROVIDING the disclosures as proof of my permission/authorization for TUs LAWFUL right to report the above accounts to my consumer report.

TU 's actions constitute willful noncompliance with the following laws : 15 USC 6802 ( b ) : This section mandates that financial institutions must provide consumers with disclosures about their privacy policies and practices. Despite my requests, TU has failed to provide these disclosures.

16 CFR 313.7 ( a ) and 12 CFR 1016 ( a ) ( 1 ) ( 2 ) : These regulations require that consumers be given the opportunity to opt-out of information sharing. TU has disregarded my opt-out request and continues to report the specified accounts.

15 USC 1681n : This section provides for civil liability for willful noncompliance. TU 's actions demonstrate a willful disregard for my rights under the Fair Credit Reporting Act ( FCRA ). 

I also wish to highlight my federally protected consumer rights to privacy and confidentiality under the FCRA : 15 USC 1681 602 ( a ) : Asserts the need to protect consumer privacy and the confidentiality of information furnished to consumer reporting agencies.

15 USC 1681 604 ( a ) ( 2 ) : Limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 USC 1681 ( c ) ( a ) ( 5 ) : Outlines conditions under which adverse information may be included in a consumer report.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE 1 INCORPORATION (FL)

I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.
Consumer complaint received 2024-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

My company Freedom Mortgage is charging me for forced place insurance for wind even though my primary policy includes wind. They charged me on XX/XX/XXXX and sent me a notice that they are going to charge me again on XX/XX/XXXX for {$950.00}. My insurance company submitted proof of coverage last year and I have submitted proof of wind coverage again this year. I have made two requests via their online message system to have this resolved and have also called once.