davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-07
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. (IL)

Dear Transunion, I, XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Account Name : XXXX XXXX XXXX Account Number : 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 






Account Name : XXXX XXXX Account XXXX : XXXX * 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

* 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX XXXX Account Number : 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2020-06-26
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. (NY)

I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.
Consumer complaint received 2023-01-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 
The following accounts below has violated my rights : XXXX : Account Number. # XXXX XXXX XXXX XXXX  XXXX : Account Number # XXXX XXXX : Account Number # XXXX XXXX XXXX XXXX  : Account Number # XXXX XXXX  : Account Number # XXXX XXXX XXXX XXXX : Account Number # XXXX XXXX XXXX : Account Number # XXXX 15 USC 1681 section 602 A States I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$21000.00}
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

PHONE # on card not working, the statement in XXXX i never got, so they were not going to chg interest, the XXXX statement i got they chg interest for the XXXX billing. so i going to tk off XXXX i believe from the bill, and for them to get a working # so i can call them. 

i on the nx page its jcp but its not XXXX XXXX its symbony bank
Consumer complaint received 2021-01-28
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-01-05
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( XXXX, Equifax, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Consumer complaint received 2021-01-28
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. (NY)

Equifax, XX/XX/XXXX and XX/XX/XXXX have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2021-01-28
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. (FL)

Equifax failed to investigate properly dispute of incomplete and inaccurate items submitted XXXX XXXX, circled on attached XX/XX/2020 credit report alleging creditor verified information is correct. 
Status states account " over 120 days past due '', when I search for amount past due there is no amount and a XX/XX/XXXXbalance. 
I have called and spoken with representatives that clearly see the inaccuracy but refuse to comply and remove the inaccurate record.
Consumer complaint received 2021-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank misrepresent the facts of my loan application by claiming that I didn't submit one, their letter dated XX/XX/XXXX, was sent to XXXX XXXX  XXXX XXXX which is not my address. I read this letter posted on the CFPB site. In the letter, it stated {$460000.00} loan amount where this number came from? I never request a loan amount for more than the balance outstanding. approx ( {$200000.00} ) Chase can read this letter from XXXX on XXXX XXXX about the loan application. There is a lot of deflection from the truth ... From : XXXX, To : XXXX, Subject : RE : Chase Home loan Application Existing Loan number XXXX Date : Thu, XX/XX/XXXX XXXX XXXX  Attachments : XXXX, I understand your frustration I have exhausted my efforts attempting to locate a loan program for you. 
You in fact will receive a letter by mail letting you know an update to the status of your application. 
The application process is out of my hands and you should rest assured that written communication will be provided. 
Any further information you would need will be on the letter that you will receive by mail. 
Sincerely, XXXX XX/XX/XXXX RE : Chase Home loan Application Existing Loan numb
Consumer complaint received 2021-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (AZ)

The loan documents the company sent me have a creation date in the margin that is long after the loan. Clearly these are not the original loan documents as the rate of interest was changed and there are no terms and conditions. Clearly these documents are fraudulent. I want the electronically confirmed copy of the originals which is required by law. 
They have obviously chosen to ignore this fact in my previous complaint.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. 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 's 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 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look equifax has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

We are in the process of buying the house we rent from our landlord. 

We started our process with Quicken Loans back in XX/XX/XXXX. We got prequalified for a conventional loan and were finally approved and had our closing date set for XX/XX/XXXX. 

On XX/XX/XXXX, they ran my credit and stopped the closing of the house because of an increase on our debt to income ratio. 

After multiple options raising gift money from family, QL informed us that the only solution to save our conventional loan was to add a co-signer. Please note a denial was NEVER mentioned. More on that later. 

In the process of figuring out our finances from XX/XX/XXXX to XX/XX/XXXX we contact a local mortage broker to see if we had another option to which he mentioned we could try a FHA loan. They are more lenient to XXXX XXXX and we would qualify. 
We started the process with our local mortgage broker and was pre approved for an fha loan. 

Before getting a reply from our broker we ASKED Quicken Loans if FHA was an option to have all options available in hands. Please note we never agreed to switch to FHA or said we wanted to proceed with FHA. We asked if it was an options and QL replied that we would need a statement from the seller that he was ok with an FHA sell and we would need a new appraisal to make sure the house qualified as FHA. 

2 days after that email from QL they sent us an FHA pre disclosure and an addendum for the seller to sign, which we never acknowledged, never signed and never gave it to the seller to sign. Please see these documents attached. 

Since the process with the local broker was a lot smoother we slowed communications with QL and continued on our process with our local broker. 

On XX/XX/XXXX QL emailed us saying that if they didnt hear from us they would have to WITHDRAW the loan, to which we replied immediately, please go ahead and withdraw. Thank you. Again no denial was mentioned. - Please see attached XXXX 's During underwriting, now with the new lender, we were informed that we have a road block because quicken loans assigned a denial to our FHA case number and our new lender wont authorize unless that denial is removed. 

Quicken loans refuse to remove the denial even though we do not have any signed document or email or phone call to switch our loan to FHA. 
We also withdrawn before they stated we would be denied. We believe that this is fraudulent from them since there is no signed documentation that we wanted to proceed with an FHA loan. 

Our loan officer was XXXX XXXX as you will see on the attached email XXXX  's FHA Case Number : XXXX