davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with the credit reporting agency to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : XXXX. On XX/XX/2023, I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

XXXX. Subsequently, on XX/XX/2023, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

XXXX. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

XXXX. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Equifax addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Attached with this complaint, please find copies of all relevant documentation, including my previous communications with Equifax, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and assistance.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

My bank is USAA and it is connected to my XXXX account. I paid another person on XXXX {$650.00}. I later disputed the charge as I incorrectly thought it went through XXXX. When I submitted the dispute through my bank they alerted XXXX and XXXX took the money back from the other user I had originally sent the payment to and sent it back to my bank. A couple weeks ago I received a letter from my bank stating the fraud investigation is done and XXXX proves the transfer was legitimate and legal. Which I agree with. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and XXXX multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact XXXX. When I contact XXXX they always say to call my bank. XXXX told me multiple times that USAA investigated and told them the decision was in my favor but I never got the money back. I am a single mom that lives paycheck to paycheck. I need that money to be found and returned to me or the person I sent it to. {$650.00} is a lot of money for me, and I am in desperate need of this money being returned to me.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX CARD Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXX NA Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX OF XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (OH)

I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WV)

I called and asked if I would be able to skip a months payment and add it to the end of my loan as I didnt have the finances to pay the bill and have enough money to put food on my table that month. I had lost my job and was looking for another at the time. The lady I talked too ( all of their phone calls are recorded, but they wouldnt give them to me without a court order. Obviously because they know the phone calls are the only evidence I have ) said that she needed to ask a manager. She came back and said that was completely fine, that I would just have a late fee the next month. Im guessing she didnt put that information on my account, and they put a delinquent payment on my credit report. I called them XXXX times and talked to a supervisor. Nobody could fix my issue. They gave me the run around. Every time I asked what their policies are, I always got a different answer. According to the supervisor I spoke with, XXXX of their employees severely broke policy. The XXXX  girl I ever talked too gave me inaccurate information. I still dont know if this bank does help people who are struggling financially because I got so many different answers. The XXXX girl I talked too told me my credit score, which according to the supervisor she was 100 % not allowed to do. The XXXX guy I talked too lied and said that he cant even see my credit score, which I KNOW is a lie because the previous girl told me my score. I got a form to fill out for a credit dispute, but I wasnt able to access it. I got the account up to date as soon as it went on my report. They will not take the delinquency off my report even though it was a mistake by XXXX of their employees. I should not suffer for this banks employees mistakes
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NY XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX NY XXXX Balance Owed : {$5000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting 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 am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. There is inaccurate employment information reporting. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : BANK OF AMERICA XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off
Consumer complaint received 2024-01-03
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. (FL)

Dear CFPB, XXXX XXXX XXXX XXXX, # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect I include credit report from Smart credit and Transunion where the different can be seen. 

( Include copies of the letters sent to the Credit Reporti
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

I AM A SEPARTED INDIVIDUAL RESIDING ALONE WITH MY XXXX  PARENT AND IN XXXX  I REVIEWED MY CREDIT REPORT ONLINE TO CHECK MY CREDIT SCORES AND FOUND THAT THERE IS AN UNKNOWN JOINT ACCOUNT THAT WAS OPENED THAT I KNOW NOTHING ABOUT AND UNDER SECTION 609(e); I HAVE NOT AUTHORIZED XXXX  THE ORIGINAL CREDITOR TO ACCESS MY CREDIT REPORT FOR THE PROCESS OF A PROPERTY LEASE APPLICATION.  THIS ACCOUNT WAS OPENED 
UNLAWFULLY AND HE USE OF MY PERSONAL DETAILS WAS DONE SO NEGECTFULLY BY THIS COMPANY, THEREFORE, MY REQUEST IS FOR FULL VALIDATION INCLUDING WET SIGNATURE, AND THE INFORMATION USED TO QUALIFY THIS ACCOUNT, AND I REQUEST THAT THIS ACCOUNT BE BLOCKED FROM REPORTING FRAUDULENT ACCOUNT UNDER SECTION 60B OF THE FCRA WAS SENT VIA USPS DELIVERY CERTIFICA TION,
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. This is innacurate information and needs to be removed from reporting. This is violation of the FCRA rights and are all reporting different things on my reports. I have attached screen shots of the innacuracies on all XXXX credit reporting beaurus a long with proof my data was sold illegally
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Ive sent several disputes to this company via this portal now Im confused as to why they can keep reporting information that the FCRA does not warrant per Section 603 15 USC 1681a which i will provide a copy of highlighted where they are clearly violating.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

I called in XXXX after applying for the XXXX  plan to Mohela on XX/XX/XXXX. There is still no determination and had to put in XXXX forbearance which ends XX/XX/XXXX. It still says processing. I am told to just keep waiting. My loan was transferred to Mohela during COVID. 

I also made payments for XXXX mths during interest pause. XXXX XXXX XXXX  and the entire payment amount went to interest, not to principal.
Consumer complaint received 2024-02-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AL)

Freedom mortgage company did not charge insurance policy for 3 years. There were 2 a year, house, and hurricane wind policy, and they paid both, but because they didnt resolve escrow each year, did not charge me for wind policy, or did an escrow analysis for 3 years. XXXX XXXX they found their mistake, and want me to pay from XXXX monthly to XXXX monthly, because they never did escrow and find their mistake for 3 years. I dont think I should have to pay all at once for their error not applying insurance to me for 3 years. I can not afford that huge increase, in payments and ask for the amount to put at end of loan, and try and help me. My insurance company found the error talking to freedom mtg. Company insurance dept. they said u need to talk to escrow dept, and they refused to talk to me. The last lady at freedom mtg put in second request to spread over more months. I am waiting for their response., but fear it will be past XX/XX/XXXX when payment is due. They already said no once, but didnt refer to other gentlemen that ask for that a few days prior. Just got a message to pay that lump insurance amount sum, or pay XXXX. Monthly until the escrow is paid. They even one year said I paid too much escrow and gave me XXXX back 1 year. Very strange. Said I had to cash it. I should not be in a position to not be able to pay my mortgage because of their error of not doing my escrow analysis, and them missing second policy. I am already paying a bankruptcy, and until that is finished, I do not have the almost XXXX extra dollars to give them for their mistakes. Isnt it a law to do escrow every year? I want it applied to end of loan, because not my error, they made a big error. I was very sick last few years, confined to bed, or wheelchair, had XXXX last XXXX, and just got better from XXXX, and I didnt catch the error.. my life was on autopilot. XXXX needs to help me, and so far they only charged me for leaving out a insurance policy, they missed for 3 years, and I dont have that amount. I am researching what law or policy they broke for not doing escrow on me every year, and paying the XXXX policies for 3 years. Not fair, and I dont want to lose my house because of their mistakes. If they had done correct escrow, I would not owe such a huge amount, all at once for their negligence of not doing escrow, and not paying that XXXX policy to escrow for me to pay. My insurance has all the documentation, as well as taped calls of them finding the errors. Please help
Consumer complaint received 2024-01-02
Product: Credit reporting 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 am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report XXXX XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.