davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/Self Lender is reporting 2 accounts ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX XXXX XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. 
XXXX. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section.

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation. 

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (CA)

This account does not belong to me. I have never had an account with XXXX XXXX or Sunrise Credit Service. This account may be a result of identity theft, as I have already been a victim in times past. Please remove this fraudulent account immediately.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (IL)

Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against the CRA ( s ) I am writing to file a formal complaint against all three CRAs regarding the furnishing of an alleged unverifiable debt reported by XXXX  XXXX on my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. 

Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXX XXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that Equifax has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. 

Furthermore, I believe that Equifax may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that Equifax complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-01-26
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. (OH)

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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GLOBAL CREDIT UNION (WA)

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX approved a {$20000.00} line of credit loan in my name to an imposter using my Social Security number, name, and XXXX. They ignored the fact that the criminal provided out of state identification with an address that did not match any on my credit report. Not even in the same State. They did not require any proof of residency at the current residency address on the credit report. They did not attempt to verify the falsely provided address as valid even though it was an obvious red flag. They did not verify any other information provided by the criminal. They did not verify the phone number provided as valid and not belonging to the applicant. They did not verify employment or income. They blatantly ignored all obvious red flags. They simply saw an extremely high credit score and approved the loan. XXXX XXXX XXXX isn't providing any answers, apologies, or explanations as to how this could happen when it was so obviously preventable with even basic safeguards by them. They refuse to submit a retraction of the false credit inquiry until I do all the legwork to prove the fraud, even though they admit a crime was committed. I have to prove that I am legitimate, but the criminal didn't have to prove his identity even though an unexplainable address discrepancy.
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

In XXXX to XXXX XXXX XXXX XXXX, on XX/XX/XXXX Complaint XXXX XXXXXXXX. I received Email from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Ombudsman on XX/XX/XXXX stating that research into my complaint was ongoing. 
But, It seems XXXX XXXX is in error, investigating a XXXX on a house in XXXX 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account Number XXXX And, in this email, seems to think, I XXXX XXXX have something to do with this mortgage. I have never bought, nor have I ever resided in the XXXX XXXX XXXX
Consumer complaint received 2021-10-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

So my sister passed away XX/XX/2020. She left no will husband or kids. I'm her last living relative. While she was alive the home loan was on forbearance. Forbearance ended now the mortgage is about 4 months behind. When I first as like to wells Fargo they told me to fax documents and such. They'd would make me successor of interest. Then I would get calls asking what I wanted to do with the house. Keep up with payments or sell. I want to sell. Well now it turns out I can't be the successor of interest cause supposedly I didn't send proper documentation. Wow seriously?! It's almost going to be a year and nothing gkt done!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is my complaint to the three major credit reporting companies after several phone calls and letters. 

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-11-01
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. (NY)

I am writing to dispute unauthorized credit inquiries on my report dated [ insert dates ]. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute inaccurate information. These inquires were recently reported on my Equifax credit file. 

The inquiries listed are as follows : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me, and I believe they violate the provisions of the FCRA. Under Section 604 of the FCRA, a consumer 's credit report may only be accessed under specific circumstances, and I did not give permission for these inquiries. According to the FTC If an inquiry is found to be unauthorized, the CRA must remove it from your credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I requested a check be sent to my leasing office for my rent in the amount of {$2600.00} ( I have checks sent to my leasing office frequently from my bank ). I received an email and updated notification in the portal that my check was sent. I have been in constant communication with my leasing office advising them that the check should be received in 3-9 business days. I have also been in contact with my bank and have been told time after time that I need to allow the 3-9 days not including the holiday on the XXXX. Ok fine. So, this week I have been frantically calling my bank because my leasing office gave me until the XXXX XXXX to remit payment. As I called all week, I was advised by each representative that I spoke with to allow 3-9 business days and that the XXXX would be the 9th business day and it should arrive. This morning I reached out to my leasing office and was advised that the check STILL had not been received & they were proceeding with the eviction and additional cost would asset to dismiss. I called my bank AGAIN today and was advised that the check NEVER went out, but it processed. I asked what could be done as now an eviction and additional cost are being assets in which I think they need to take accountability for. The only option I have is that I cancel the check which will take 1-3 business days. They are not willing to cover additional cost in which I feel that they should because they dropped the ball. They have escalated the issues in which they are advising that will take 7-10 business days. If I would have known this check was never mailed out, I could have made other arrangements to get the money to my leasing office a long tie ago. Up until yesterday I had been told the check was on its way. I am terrified that an eviction will be filed against me, and I am not in the position to move with my son regarding a situation that was beyond my control. Im seeking the rent amount, additional fees accessed and any attorney fees I would have to pay.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

After review my credit reports I found a collections on my reports that is not mine. The collections is from IC Systems Inc and on my report it states that the original debt was from XXXX XXXX. I have never had a XXXX XXXX account. My mail box has been broken into several times over the last 5 years and this account is fraudulent. I have contacted the collections agency several times to have this account deleted from my credit reports and they have yet to rectify the situation. This is not my debt and I would like this account deleted from all three of my credit reports ASAP.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I have been disputing this debt for almost a year. I have been a victim of identity theft. I have sent in FCA Affidavit, Affidavit with a notary, police report, and dispute letters. The debt was removed at one point, however it was applied back to my credit report. It prevents me from being qualified for a lot of necessities.
Consumer complaint received 2024-01-26
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (OH)

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with INDIGO XXXX BANK. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that INDIGO XXXX BANK complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.