davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

TODAY I RECEIVED A NOTICE IN THE MAIL DATED " XXXX XXXX XXXX '' stating ..... 
" Dear XXXX XXXX Based on a recent review of your Barclays XXXX XXXX XXXX which included info that we obtained from an indep consumer reporting agency, we have reduced your credit line to {$14000.00} This decision was based on the following reasons : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts '' ( THEN IT GOES ON TO COMPLETELY CONTRADICT ITSELF ENTIRELY ; ) " The consumer reporting agency that provided info that INFLUENCED OUR DECISION IN WHOLE OR IN PART WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' ( BUT THEN AFTER IT IMMEDIATELY SAYS ) " the reporting agency PLAYED NO PART IN OUR DECISION AND IS UNABLE TO SUPPLY SPECIFIC REASONS WHY WE HAVE TAKEN THIS ACTION '' ... ..... 

( THEN ON THE BACK OF NOTICE IT STATES ) Key factors that adversely affected your XXXX XXXX : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts proportion of loan balances to loan amount is too high too many accts with balances FIRST- the Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating- ( the ability to discern what is of high quality ; good judgment or taste. ) based on your XXXX XXXX or other protected characteristics : So for them to even look at my XXXX XXXX as any deciding factor is unjust. 

SECOND- They are literally contradicting themselves on paper, trying to confuse the consumer so they don't get in trouble admitting they are doing unjust practice using my score and report to make decisions. First they say the information was the baises then they say it had no part... 

THIRD- If part of the problem is the proportion of loan balances to loan amount is too high and the proportion of balances to credit limits too high, Then lowering my credit limit, WITHOUT WARNING OR TIME TO ACCOUNT AND ADJUST the balance IS contributing to my balances being too close to my credit limits. WHICH in turn is going to lower my XXXX XXXX more and possibly cause a snowball effect of issues with all my Credit card accts. I had XXXX limit and now they are lower it to XXXX when i have a balance of XXXX! HAD i known this was going to take place i would not have maxed out the card! but now the card is maxed- 100 % debt utilization. WHICH looks worse then the revolving 85 % debt utilization. 

INSTEAD, WHY DIDNT THEY LOOK at their SYSTEM and SEE I HAVE NEVER MISSED A PAYMENT! NEVER PAID LATE! In ALMOST 10 years of owning the card.
Consumer complaint received 2024-11-21
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. (PA)

Recently, Ive gotten a chance to take a look at my credit report using annualcreditreport.com and other auditing and security tools, and I have become aware of multiple inaccuracies and false information on my account. These discrepancies are hurting my ability to obtain credit. Ive researched and come to the understanding that XXXX, TransUnion, and XXXX will individually investigate these accounts and provide me with verification to ensure accuracy. The accounts that need to be properly verify as accurate are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would appreciate a swift response in a timely matter, as this issue is time-sensitive.
Consumer complaint received 2024-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (IA)

My husband, and I, would like to make a claim for our new property in XXXX XXXXXXXX XXXX for a {$1600.00} mortgage payment we were not suppose have to pay. We closed on XX/XX/year> at the closing agents office, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The last mortgage payment from the sellers during the closing process was not secured appropriately. Our first payment on our assumable mortgage was due XX/XX/XXXX. Because the sellers check did not go through with Flagstar Mortgage, ( we were told because it bounced ), we were harassed by the mortgage company at the beginning of XXXX for late payment, penalties, and late fees. This is because of the Flagstar Mortgage Company. We were inundated the month of XXXX with letters calls and emails to pay for a month we did not owe by the mortgage company. I brought it to multiple people at Flagstar, and their Assumption Department, the realtors and closing teams attention. Flagstar did absolutely nothing until I made multiple calls and more emails. Flagstar said in an email they finally received another check from the sellers. Yet, we were not giving a refund. Again, our first payment for the loan XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  When I made our ( the buyers ) XXXX payment, it was applied to the XXXX payment without our permission. We called Flagstar about this issue, and they told us its not their problem. We then had to pay for XXXX payment ( so we had a double payment in XXXX ) We have called and/or emailed the issue multiple times for the past three months with our real estate agent, the sellers agent, the closing agents/title opinion from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet nothing has been done. 
XXXX Now we signed mortgage documents after 4 months from XXXX to XX/XX/XXXX, and the payment was supposed to be XXXX. It went up to {$1900.00} with no warning. I called. They said it was insurance related. Our home owners insurance was {$3200.00} dollars. I got different insurance, Geiko- {$2200.00}, and made sure they received all of the information. Then they asked for a check. I sent Flagstar {$3200.00} on top of getting cheaper insurance of {$2200.00}. Now they want {$2000.00} for next month. The mortgage payment should have gone done by at least {$300.00} a month, not up. 

They owe XXXX {$1600.00} for the month of XXXX, and they owe us for taking to much out for mortgage payments with no documents.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

We requested a free copy of our credit report and noticed that a tax lien from 2007 was not relecting paid and released. We were able to get certified document from the State of Ohio stating that the debt was released and were instructed to send this document with a request to have the change reflected. Experian is refusing to accept the official documents and is stating that they made a correction when in fact the " updated '' copy of our credit report still states the same thing - State Tax Lien Filed and there has been no update.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (VA)

Subject : Complaint Regarding Loan Application Process, Denied Request for Written Documentation, and Unprofessional Conduct Date : XX/XX/year> To Whom It XXXX Concern, I am writing to formally lodge a complaint regarding my experience with OneMain Financial and their handling of my recent loan application and subsequent interactions. 
XX/XX/year> : I applied for a loan through OneMain Financial and was assured that the loan would be processed. 

XX/XX/year> : I was notified that my loan application had been denied, with the explanation that a " glitch '' occurred during the validation stage of the process. 

XX/XX/year> : I contacted OneMain Financial to obtain written confirmation that my vehicle loan and title had been restored to the original loan holder ( XXXX XXXX XXXX XXXX ). 

During this conversation, I was met with unprofessional and dismissive behavior. I was told that no information would be provided because they did not have it, and that my documents had been shredded. Additionally, the representative became hostile, raising their voice at me. 

I was provided with a customer service number ( XXXX ) for further assistance, but the number is for consent notices and unrelated matters. After being on hold, I was sent to a voicemail, where I left a message, but I have yet to receive a response. 

The location and staff involved in this issue are as follows : OneMain Financial, XXXX XXXX, Branch XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am requesting that the Consumer Financial Protection Bureau XXXX this matter, as I have been denied access to crucial loan information and faced unprofessional conduct. Additionally, I would like a resolution regarding the restoration of my vehicle loan to the original loan holder. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I pd off my mortgage to Ocwen on XXXX/XXXX/2015, in payoff was added for escrow, butthere was escrow bal. taxes for XXXX had been pd. Now XXXX 2015 I have n't gottensatisfaction letter ; taxing agency has not gotten release of lein ; refund of escrowbalance & there is a derogatory comment on my credit score, even though I have n't been late in yrs. 
I have talked to them ; had ombudsman, now I 'm threatening them with legal action. 
I ca n't get anywhere w/them. Tax bills come due in XXXX & I 'm wondering what the hellwill happen. What a bunch of yaahoos.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (GA)

In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.
Consumer complaint received 2024-10-17
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. (KY)

I looked at my credit report, and noticed some things are incomplete and not accurate. And 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. 

. And 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 ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

XX/XX/XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Delete this inaccurate account from my credit report.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX I deposited a check from the Treasury Dept in the amount of {$13000.00} via the app. On Tuesday XX/XX/XXXX I found that my account was locked and I received a message from Ally that there is potential fraud. I called them and the rep explained that its because its my husbands name on the check. He directs me to the form to add my husband as an owner. They said they received it but now they need to hear from the treasury department that it is a legitimate check. I have provided them will all the necessary information that verifies it is a legitimate check and they have all the resources needed to verify government checks. They have given me no timeframe for when this will be resolved and my account will be unlocked and the funds released. Every time I call their fraud department continues to ask me more verification questions which I have answered for them and still nothing. Be careful when doing business with Ally as Ive seen other consumers complain about the same issue of Ally investigating and holding peoples money for an extended amount of time.
Consumer complaint received 2024-10-17
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. (NC)

I would like to dispute the following accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.