davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (NC)

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. 

Account name : XXXX XXXX XXXX : Account # 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 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. 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 2023-04-12
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. (DC)

XXXX, Equifax and XXXX keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to XXXX, Equifax and XXXX repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus show no respect for the laws.

They need to be held accountable.

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

I have been approved to the section 8 homeowners program. The problem Im having is due to my XXXX, I get social security payments with a representative. I have been on section 8 for over 10 years and have always paid my bills on time. My income is used toward the amount of my rent payments. Now that Im in the process of purchasing a home, that is no longer my income. I dont understand why one agency uses disability payments as income and another says its not. I feel that is being used against me because of my XXXX, which is the requirement.
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

I was under a covid 19 forebearance program. I was contacted in XXXX of XXXX  that I had to make a payment of over {$50000.00} to bring my account current. No other amount will be acceptable. It took me just under 60 days to sell belongs cash in CDs ask family and friends for help and of course had to go to zero expenses to raise the money.My wife and I did and paid it current in XXXX of XXXX. The amount paid was {$53000.00}. On my credit report I notice that I was charged a 90 day lateness in XXXX of XXXX  and a 90 day lateness in XXXX of XXXX. This has done tremendous harm to me because my insurances, all of them are going up, and it makes it impossible for me to get a mortgage, lease a car as that payment amount is unaffordable, or take advantage of deals that require a store card. I want to refinance a property to get money to get caught up on my bills. I have a ton of equity just no cash. Will not qualify for an FHA manual underwrite because of these latenesses. I contacted shell point and I am told they have been asking for the money since XX/XX/2022. I was able to get the statements they claim to have sent me. I never recd a statement from them in XX/XX/2022 nor XXXX of XXXX. Secondly, how can they ask me to go from no payments for the past 10 months or so to a XXXX time XXXX plus payment, and accept no other amount as a payment option. Thirdly, they reported me 90 days late in XXXX. The first payment statement they said they sent was in XXXX. How could XXXX be 90 days late? That would mean I should have gotten a statement in XXXX of XXXX, which even they admit to not sending me. I feel that my credit report is not accurately reflecting this account. There is no payment being asked of my until XXXX on the credit report. On the credit report it states that amount is {$1700.00} is due in XXXX. I have statement that the payment amount being asked was over $ XXXX. In XXXX it says amount due is XXXX my regular payment and reflects the {$53000.00} payment bringing the account current. The account statement for XXXX states over $ XXXX is due. Lastly the XX/XX/XXXX late has to be removed because they only sent me a statement in XXXX according to them, so how could XXXX be 90 days late? XXXX XXXX  90 day lateness should be removed for 2 reasons. First is they never notifed me that an amount was due until XXXX. Second reason is the latemess and credit report make it appear that a {$1700.00} payment was not made in XXXX when that was not being asked of me. I was asked to may over $ XXXX. And because asking someone like me to come up with {$50000.00} cash today is very hard.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I received a call from XXXX today regarding my complaint. Chase can not be serious to have the same person who did not complete a thorough investigation initially and advised I file another complaint now complete the investigation into my complaint. Im taking this action as clear indication Chase does not take these complaints seriously or the purpose of the CFPB seriously. I do not want XXXX working on my complaint. Shes proven to be grossly incompetent and wasteful of Chases resources, the CFPBs resources and a waste of my time. If my complaint is not taken seriously, I will move forward with filing a lawsuit into the investigation as to why Chase accessed my credit monthly for nearly a year without a justified reason, notification, pulled my credit three times in XX/XX/2022 and XXXX has confirmed I am not a cardmember. 

Find another equipped employee to handle my complaint and complete a thorough investigation.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TX)

MY COMPLAINT IS WITH DIRECTEXPRESS/COMERICA BANK . 
I originally reported 4 unauthorized transactions from XXXX on XXXX. XXXX. XXXX for {$9.00} and 4 transactions from XXXX XXXX XXXX on XXXX for {$9.00}... 
fraud report ID XXXX I reported them and was told by the agent that he had several reports from different customers filed that same day about the same perpetrators. I was then told the transactions were pending and had to go through before DIRECTEXPRESS/COMERICA BANK would investigate. I was told they would be sending out a questionnaire. They sent me a questionnaire dated for XXXX with a due back date within 10 days of XXXX. I received the questionnaire on XXXX and the dollar amount was not what I reported. I reported a total XXXX {$79.00} and they sent me {$97.00}. I called DirectExpress immediately and was sent from one department to another to another and then put on hold for over XXXX hours before the call was disconnected. I called back but the office was closed. I called back today, XXXX, and asked for a supervisor. I repeated the issue to her and then said I would be contacting the FDIC at which point she told me that due to DirectExpress policy she had to discontinue the call and promptly hung up. I've had problems with them once before over a dispute and because of the due dates they issue I lost that money even though they knew I was not at fault for the transaction. They also falsified the amount of the transactions by over {$16.00}. 
I have looked into the way the FDIC and other banks handle issues like this and they are quite different from the way the Comerica bank fraud investigations team does it. I also looked up DirectExpress/Comerica investigation team and found out they have been sued repeatedly for this exact same issue since XXXX. These are Federal funds issued to people on XXXX, SSA and SSI that are being misappropriated. My money included!
Consumer complaint received 2023-04-12
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. (FL)

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.

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 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. 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this with Experian. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXXXXXX  which is incorrect. No other agency is reporting this account. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Consumer complaint received 2023-04-12
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. (TN)

XXXX  XXXX XXXX and XXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX, TransunionXXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and XXXX has reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
Consumer complaint received 2023-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Financial Services, Inc. (OH)

The Manager of this company, Eagle Loan Co in XXXX, Ohio, came to my home and knocked on my door asking for me. I did not know who he was, I have never seen him before, he was dressed up in a suit with papers. He really scared me as I did not know who he was and I told him he had the wrong XXXX XXXX A few hours later one of the office workers contacted me about past due amount, i gave her permission to use a different bank card of mine, one time only, to make a {$71.00} and that was it. I asked her if they send people out to borrower 's homes and she said that sometimes the manager of that location will go out to homes if they can't reach someone by phone. After that they continued to deduct money off of that card after they were told only the one time. 
XX/XX/2023 {$71.00} is the date & amount given permission only ; XX/XX/2023 {$140.00} was taken out, no permission given ; XX/XX/2023 {$30.00} taken out, no permission given ; and XX/XX/2023 {$70.00} taken out, no permission given. 

I have already filed a debit card dispute with XXXX XXXX & have a Case # as well.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but XXXX are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX