davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (PA)

I believe I may be a victim of identity theft. This information is unauthorized and I did not approve it to reflect on my credit reports.To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment XXXX XXXX continues to report two charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. TransUnion as well as XXXX continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for 3 more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used XXXX XXXX again but cant and wont because of the vindictive nature of the company.
Consumer complaint received 2023-02-04
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: LEXISNEXIS (MO)

I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXXXXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flat Branch Mortgage, Inc. (MO)

XX/XX/XXXX - We received a communication from our insurance company that our escrow account had failed to make the insurance payment on time. We called the escrow servicers to submit and online payment. 

XX/XX/XXXX - Online payment was sent by the escrow account to the insurance company for {$1300.00} XX/XX/XXXX - The original physical check for {$1300.00}, that the escrow company had sent was found in the mail and was cashed by the insurance company. 

XX/XX/XXXX The physical check for {$1300.00} was returned to us as an over payment. 

XX/XX/XXXX The escrow company submitted a stop payment for the online payment of {$1300.00}. 

XX/XX/XXXX - We decided to switch insurance companies, and discovered this issue that happened back in XXXX of XXXX when we received a bill for {$940.00} from XXXX XXXX our former insurance company. 

XX/XX/XXXX - We notified our mortgage company of the bill so they could pay the insurance company out of escrow like they were supposed to have done back in XXXX of XXXX. 

XXXX XXXX XXXX, XXXX - After talking with XXXX numerous times about this issue, we were informed of the stop payment being issued by the Mortgage company on XX/XX/XXXX, and that we owed the {$940.00} for the coverage from then till XX/XX/XXXX when we switched the policy. Our escrow company refused that this was the case even after being shown numerous documents from XXXX insurance that this was the case, They also refused to pay for the insurance bill. 

XX/XX/XXXX - We were forced to pay for the insurance out of our pocket, and upon reviewing the 1098 Tax form from XXXX XXXX XXXX XXXX we discovered that they falsified the document to say that the home insurance was paid out of escrow. We have documents from XXXX XXXX to show that this is untrue.
Consumer complaint received 2024-10-24
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)

Subject : Request to Block an

d Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part
of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}
Consumer complaint received 2023-02-04
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. (NY)

The company, XXXX has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, XXXX stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through XXXX an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to XXXX regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXXXXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I sent in a dispute with Equifax regarding unauthorized inquiries. On XXXX XXXX Equifax replied with a response by verbal communication that they can't identify me even after I have mailed my identity information again on XXXX and XXXX and uploading my identify information online to their website. With a dispute they are still not identifying me
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my equifax credit report. 

Best regards, XXXX.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

I had 3 deferred payments on an auto loan, and was not made aware that the total balance would be due when the loan matured. No one stated this to me when I deferred the payments. 

Because no one told me this would happen, my credit score dropped XXXX points. To some it may not seem like much, but for those of us who are trying to build credit, it has a high impact. 

No one in the company put any effort in to helping me on this issue. In fact, a supervisor called me back 24 HOURS AFTER I had put in a call back request just to pacify me, and rudely implied that there is nothing they can do about it. 

It was reported that I owed a balance that is {$200.00} more than the representative told me I actually owe. 

This isnt the first time Ive had communication issues with the bank. 
It is almost impossible to speak to someone without being on hold, or constantly updating contact information that has stayed the exact same. 

I figured this bank would fairly treat its valued customers they seem to address us as. I would advise anyone against using this bank due to their lack of customer service and transparency in the loan process.
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

I believe the company I pay my mortgage to, Lakeview Loan Servicing, is in violation of federal law. 

Lakeview Loan Servicing , LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I called XXXX in XXXX because I saw that my escrow account had a balance of {$1600.00} at the end of XXXX after they had already finished paying my XXXX homeowners insurance and my XXXX XXXX XXXX XXXX XXXX. I asked if any of that would be returned to me. The rep said that the company does an escrow analysis of all accounts in XXXX and should there be an excess, they would issue refund checks. 

Having not received any refund, I logged in and looked at my account. Their analysis showed that due to a $ XXXX increase in my insurance and my taxes that, actually, instead of a surplus they concluded that I had a shortfall of {$600.00}. And so, rather than increase my monthly payment by, $ XXXX ( the actual amount of my rising insurance premium and property tax ), or rather than a monthly increase of {$50.00} that would cover their own calculated XXXX annual shortfall amount, they are instead increasing my payment by $ XXXX starting on XX/XX/XXXX! Any increase would seem unwarranted as I pointed out that my end-of-year balance was {$1600.00}, more than enough to cover the {$600.00} increase. That made no difference they said. 

I asked them to explain their bewildering ( to me ) calculations and was told that my minimum escrow cushion is four times the new expected monthly disbursement ( {$560.00} for XXXX ), hence my {$1600.00} surplus was insufficient to cover {$560.00} times 4, or {$2200.00}. 

This would appear, to me, to be against federal law, which limits the escrow cushion to two months, one-sixth ( 1/6 ) year, of the estimated total annual payments from the account. 

From the Consumer Financial Protection website : https : //www.consumerfinance.gov/rules-policy/regulations/1024/versions/17/ 1024.17 ( c ) ( 1 ) ( ii ) ( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ).
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.
Consumer complaint received 2023-02-03
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. (NC)

I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have a mortgage from HUNTINGT MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HUNTINGT MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and HUNTINGT MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-03
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. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-02-03
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. (WI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.