davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Hello and good day, you are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your negligence.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.
Consumer complaint received 2024-10-07
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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-07
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (TN)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-10-07
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. (AL)

I am writing to express my concern regarding the disputed accounts that continue to appear on my credit report. On multiple occasions, I have submitted disputes concerning inaccuracies in these accounts and have requested that they be thoroughly investigated. Unfortunately, despite my efforts, no resolution or corrective action has been taken, and the inaccuracies persist. 

These erroneous accounts are having a significant negative impact on my credit file, leading to financial hardships that have severely affected my ability to live a normal life. I kindly request that your agency conduct a comprehensive investigation into the reporting of each disputed account and take the necessary steps to update and rectify my credit report. 

It is crucial that this matter is addressed promptly. I ask that you ensure the accuracy and integrity of my credit file and that the required corrections are made without further delay. The resolution of this issue is of the utmost importance to me, and your swift action would be greatly appreciated. 

I look forward to receiving confirmation that the investigation has been initiated and that the disputed accounts will be corrected. Thank you in advance for your understanding and assistance in resolving this matter.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My Grievance filing is the following : I have been requesting my Bank to provide me copies of my closing documents on my home for over 30 days. I requested copies of my, The Truth and Lending and ECOA Disclosure, ECOA Appraisal Disclosure, FMNA Form XXXX Uniform Residential Loan Application and A copy of the Appraisal. This has been going on for 30 days and they keep telling me they are looking and or they can not find the documents. I have reached out to The State Attorney Office and the State Banking Commission in my State to also help me obtaining these documents from my Bank. I am reaching out to CFPB to help me obtain these documents on my home from my Bank. 

See Attached letters to my State Agencies for help in this matter
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-07
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-26
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. (TX)

Consumer requests Method of verification under FCRA XXXX XXXX XXXX  lates payment all documents submitted within 15 day by email or mail if All three CRA refuse I will enforce FCRA B 616.
Consumer complaint received 2024-10-07
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-07
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. (MO)

Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally notify you that I am a victim of identity theft. My credit report currently contains several fraudulent accounts and inquiries that I did not authorize, and I am seeking your assistance to have these items removed from my credit report immediately. 

To support my claim, I have enclosed the following documentation : My Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my driver 's license and Proof of my current address for identity verification In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that the credit reporting agencies block and remove the following fraudulent accounts and inquiries. These items should be removed from my credit file within the required four-day period after receiving this complaint, as mandated under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as XXXX  provisions protecting consumers from identity theft : XXXX XXXX XXXX Account XXXX : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX-XXXX  XXXX XXXX : Remove from my credit report XXXX XXXX  XXXX ( Validate Account ) Account XXXX XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX XXXX XXXX XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX I am invoking FCRA 611 ( a ) to request a full reinvestigation of these accounts. Any account or inquiry that can not be validated must be promptly deleted from my credit report. Furthermore, in compliance with XXXX, I expect the credit reporting agencies to take all necessary steps to ensure my credit file is updated and free of inaccurate or fraudulent information. 

Once these corrections have been made, I request an updated copy of my credit report be provided to me free of charge, as required under FCRA and XXXX. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of these actions and my updated credit report. 

Thank you for your assistance. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-10-07
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. (NJ)

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 2024-10-18
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. (AL)

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.