davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (NY)

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX. 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Consumer complaint received 2023-06-14
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. (NY)

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX  XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations.

System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported. 
Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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. (MO)

Privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may makes 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 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 2024-10-10
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-10-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (SC)

I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (WA)

I paid off Best Buy Credit Card and was awaiting a refund of balance. 
This was in XXXX it is now XXXX, and have n't received refund but I have had the run away and told I gotten the refunded when I called with my bank on a recorded line stating they put it in the wrong account and it was not the account I stated. 
It 's now XXXX/XXXX/16 still no refunded, transfer to this dept. and hung up on another, promise to get this done in 10 days and still nothing. 
Best Buy/Citi-Group can never get me as a customer again because I know my bank account # and I repeated it several times only to get my refund sent to the wrong account and Best Buy customer service only tells me its was sent to you and closed it. Cause apparently I do n't know my " Bank Account ''!! Done!! Complaint filed!
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXXXXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX -Unauthorized Inquiry 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 don't have no written premission 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( TRUIST ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX  - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX  - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX CFPB closed it due to XXXX false response. This Debt was removed from XXXX and XXXX. I provided all the supporting documents per the FTC and they still came this false debt is mines. I am providing supporting documents again for the XXXX time. I will also be contacting small claims court as this has ruin my life and for me to get an apartment in California.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I wanted to share a frustrating issue I'm dealing with. My credit profile keeps getting mixed up with someone else 's, and no matter what I dolike filing an FTC report and contacting creditorsit just won't get fixed. Here are the accounts : Please review and remove these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I've read up on my rights under the FCRA, especially Sections 609 and 611, and it feels like those rights are being ignored. I've reached out to the credit bureaus multiple times, but nothing has changed. 

Just needed some help
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: EQUIFAX, INC. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Applied Bank : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2023 XXXX and I were arranging a closing date to sell my house. We were scheduled to close XX/XX/2023. On XX/XX/2023 I received the following email from XXXX : XXXX, We are waiting on a payoff from Bank of America ( who is the primary servicer for your HUD loan ) that is currently being worked on with their research department. I am told this could take up to 10 days business days. I am able to call on Monday for an update and will let you all know at that time if we will have it in time for Tuesdays closing or if we will need postpone closing. I will keep you in the loop. Sorry for the bad news. Since XX/XX/XXXX between XXXX and I at XXXX  we have been on the phone with Bank of America, HUD and XXXX, ( where my loan is currently ) for several hours trying to get someone to release the lean on my mortgage in order for the title to be obtained so XXXX has the correct payoff amount and we can go forward with the closing on my house. On XX/XX/XXXX I was also told by HUD to make a portal with then and I could receive the information that way. Below is the email I received from them : XX/XX/XXXX Thank you for contacting the FHA XXXX XXXX, RE : Partial Claim - a HUD lien payoff request Dear XXXX XXXX, Thank you for contacting the FHA XXXX XXXX regarding a HUD lien payoff request. Your Service Request Number is XXXX. The information below is being provided to XXXX XXXX XXXX, Your SMART Integrated Portal account request was denied : We do not have record of any outstanding partial claim/loan balance for this property. If you believe there should be, please contact your mortgage servicer. XXXX XXXX if you have further questions. Please contact XXXX if you have any questions or concerns. Thank you, HUD XXXX Customer Service This is an automated message from the XXXX XXXX XXXX XXXX. This email was sent on Friday, XX/XX/2023 on XXXX XXXX All 3 business state they have no record of this and they all keep telling us to call the other business for the information. We have been going in circles and I was told today that I need a real estate attorney to get this done. This is costing me money I don't have with needing an attorney and still having to pay for my house since we can't close. Is there anything else I can do in the meantime to try to expedite this? Thank you, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX I received money through XXXX and they restricted my account asking for personal information about who was sending me the money, then I received an email saying that I can continue using the account. In the month of XXXX they closed my account and they still haven't returned my money