davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (WI)

I filed an investigation dispute request through the credit report agency XXXX about the inaccuracies listed under this credit account. But your company fail to comply and did nothing to correct these errors. Stating that the information was verified as accurate, which is 100 % not true. Your company has now violated my consumer rights under the Fair Credit Reporting Act Section 623 and 15 U.S.C. Section 1681s-2 Responsibilities of furnishers of information to consumer credit reporting agencies. The date closed does not match up with the payment rating history on my XXXX credit report and the payment rating is also missing for XXXX  ( Please See Attachments )
Consumer complaint received 2023-03-17
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. (TN)

In accordance to the Fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank made changes to their systems sometime around XX/XX/XXXX and I was not able to use the pay by phone system without speaking live with a customer service agent. In XXXX the agent took my information and processed it incorrectly resulting in a late fee. Webster refunded the fee and at that time I asked if they could tell me why I could no longer use the automated system. They informed me that I would need to go to a bank location and re verify my husband and my identity. We did that in late XXXX and tried to pay the XXXX mortgage by phone but it did not work. I reverted to using my banks online bill pay for XX/XX/XXXX, however, Webster bank does not accept EFT payments so it took almost XXXX weeks for my check to post. I accepted that late fee but planned better in XX/XX/XXXX sending the payment earlier. However, the check didnt post until XXXX after the date a late fee would be assessed and so now I have another late fee. After calling the bank to speak with a manager and summarize whats been happening and asking for the fee to be waived, the representative took my name and said a manager would contact me. A week later no call back from the bank and now Ill have to pay another fee because the bank has an antiquated payment process and made changes that have impacted my ability to pay on time. Using their customer service representatives is not acceptable and often results in errors. Im now reverting to mailing in my own check, which I have not had to order in years, to see if that will fix this issue. I appreciate any assistance from the CFPB to review the payment process of Webster bank as I believe its a tactic to ensure they receive late fee payments from their customers and this is not fair. Thank you.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

This is regarding Carrington mortgage and our loan number XXXX. We received a letter from Carrington mortgage back in XXXX indicating that we had a lapse in our homeowners insurance. We sent Carrington Mortgage proof of our continuous coverage that we had with XXXX for the last five consecutive years. Our agent from XXXX XXXX also sent them proof twice as well as spoke to them on the phone. We started receiving harassing collection calls, even though we continue to inform them that we had sent proof of insurance. The reason why we were getting collection calls, is because, they were taking our mortgage payment and applying it to something called forced place insurance. They set up an escrow account for us without our authorization and started taking our monthly mortgage payments and applying it to this force place insurance. Our mortgage payment comes out of our checking account automatically every month. We have been homeowners since XXXX  and have never made a late mortgage payment. We have spoken to Carrington mortgage 15 different times speaking to various collection, specialist, escalation, managers, and supervisors. We have kept copious notes on these interactions, and Carrington mortgage has informed us that they also keep notes and they can see that we have made a significant number of phone calls trying to rectify the situation. By them taking our mortgage payment and applying it to force place insurance, this is caused our mortgage payment to go unpaid. Over the last few months we have continued to provide them with the information needed, and they are even telling us they can see they have what they need from us. They just reported a 30 day late against our perfect credit and are telling us that they have submitted a dispute but they are not guaranteeing that its going to rectify the situation. They even took overages in an escrow account and applied them to principal only. I would never pay principal only when my rate is under 3 % and we get 5.25 % in our savings account. It is very clear that their various departments can not communicate with each other and now our credit has been impacted negatively. We have spent months trying to correct this with them to no avail. We have records of countless hours on the phone with them and nothing is changing. We need your help as this issue is 100 % on them. Thank you.
Consumer complaint received 2021-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

I was attending XXXX for a few month then had to withdraw from the program. I went through a messy divorce and moved out of state. I have been stuck trying to get this loan discharged for years but no one will listen to me or review my case. I have sent in all required paperwork including an application for discharge to Navient but they denied it. The school did not report that I withdrew and so I was stuck with the whole loan. I didn't receive any of the money as it went directly to the school. The school should have returned the portion that was not used. I am not sure how else to proceed with this except to file a lawsuit against the school or Navient. I have sent in another application with a letter explaining the situation to Navient but I am almost certain I will have the same outcome. Again, I withdrew from the program and should not have to pay the entire student loan debt back as I didn't complete my degree. I am struggling to pay this back and have basically been getting a forbearance every year since.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} 30 2 60 1 90+ 5 PAID CHGOFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 62 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : 005 ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} 30 1 60 1 90+ 4 CHARGE OFF SOURCE XXXX/XXXX/XXXX   TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 99 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
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. (AK)

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

This account is old and has been on my credit report since 2010. 
Please delete account # XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. Discover Bank has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed with TransUnion on multiple occasion and Transunion Deliberately refused to comply with FCRA section 15 U.S. Code 1681e ( b ) which states : " ( b ) Accuracy of report 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. '' TransUnion claimed that they verified the information from Bankruptcy court. The court states in the letter that they do not provide anything credit bureaus. 
TransUnion is falsely claiming that the Bankruptcy court is the furnisher and that is false. 
I did my own research and found out that XXXX is the data furnisher. TransUnion refused to noted that XXXX is the data furnisher in violation of FCRA. 15 U.S. Code 1681s2 which stated that : " ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. '' FCRA. 15 U.S. Code 1681s2 ( b ) specifically prohibit TransUnion and XXXX from furnishing inaccurate information. TransUnion and XXXX are so bold in their disregard to FCRA and CFPB that they will not even bother to investigate this but wait out for 60 days and close it because they know that CFPB will not do anything. 
Under FCRA. 15 U.S. Code 1681s2 ( b ) I have a right to legal action against Transunion and XXXX. 
FCRA stated as follow : ( 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. '' Under this I have a right to personal legal remedies. 
XXXX send me a letter with the copy of bankruptcy and when I pointed out that I never reside at the address mention in the bankruptcy XXXX deliberately refused to answer the inaccuracies knowing that CFPB will not compelling them to follow FCRA. 
XXXX, XXXX XXXX and XXXX already removed the bankruptcy. Only XXXX and TransUnion are refusing to do an investigation. TransUnion will deliberately closed the the dispute within XXXX hours and tell me it is verified even though on the report is show that last updater is XX/XX/2022. The last time they attempt investigation. Now they are no longer doing investigation but just close the investigation without doing investigation under FCRA.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-02-06
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, XXXX, and Equifax. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, XXXX, and Equifax have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries. Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.