davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX - XXXX XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Consumer complaint received 2022-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (CA)

Subject : Request for Debt Validation and Verification of Collection Account Account Number XXXX XXXX XXXX. 
Dear XXXX, I am writing to formally request validation of the debt referenced above, which appears on my credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Under this law, I am entitled to obtain verification of any debt you claim I owe. 
Please provide me with the following information for verification purposes : 1. A copy of the original purchase agreement or contract that proves my obligation to this debt.

2. Verification of the amount owed, including a detailed breakdown of fees and interest added since the debts purchase.

3. Evidence that you have the legal right to collect on this account, including the chain of ownership from the original creditor to your agency.

4. Proof that this debt has not surpassed the statute of limitations for collection in my state of residence.

Please consider this letter a formal dispute of the validity of the alleged debt. Until I receive satisfactory documentation, I request that you cease reporting this account to any credit reporting agencies per 15 U.S.C. 1692g ( c ).

Thank you for your prompt attention to this matter. I expect a response within thirty days of receiving this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-14
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (UT)

Freedom Mortgage is completely inept at XXXX buydowns. They have lied repeatedly to me ( fraud ) about the amount of money that I owe. They were insisting to charge me MUCH more than they should have!!! It is a complete waste of my time to have to deal with a company who is breaking the law! They should be shut down, as they are absolutely inept! 

In fact, they wanted me to send a FAX to some department ( internal that takes weeks to respond ) regarding the disputed amount. I value my credit score highly and so I had to talk to a manager who confirmed what the person I called told me- the fraudulent amount! I will sign an affidavit relating to such. I had no late payments before thisbut I knew the XXXX amount was WRONG! 

Finally, I did get a hold of someone who was told me the right amount, but it was the last day! I specifically told him to pull from the exact same account as last time. However, despite my money being in my bank account, they pulled from a different account. Then they put a 30 day late ding on my credit. They have been impossible to work withas apparently they are just fine to put the onus on the customer. 

BE WARY!
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
Credit acceptance XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2020-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I phoned usaa spoke to FRAUD DEPARTMENT rep. XXXX. ( No ACCESS ON LINE ADA NON COMPLIANT WEB on hold 23cmins to reach rep. ) to Discuss attatched XX/XX/XXXX usaa Letter CONFIRMING NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW. My question after 45 min wait to pull up letter was WHY ARE USAA REVERESING MERCHANTS CREDITS?? He said they only do that IF MERCHANTS ALSO SENDS CREDIT. My response, Yes, And??? WHY REVERSE THE MERCHANTS CREDIT PAID to COVER FRAUD ** USAA CONFIRMS DID NOT EXSIST???? ... AND dial tone in my ear. USAA DOES NOT RESOLVE FRAUD.USAA HANGS UP ON CONSUMERS STEALING MERCHANTS CREDITS AS THEIR OWN. XX/XX/XXXX statement has {$2.00}, XXXX REVERSED CREDITS NEVER MADE PERMANET NEVER PROVIDED DENIED IT EVER HAPPENED.??? And I discover in all of this I DID NOT OPEN THE ACCOUNT MY CREDIT WAS DESTROYED WITH ** INACCURATE CREDIT REPORTING. XXXX XXXX.
Consumer complaint received 2024-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (TX)

After assuming my VA loan on XX/XX/year> I was able to register my account and had online access to that account for a very short period of time. When attempting to make my next payment I could no longer access my account. I called Freedom Mortgage customer service in XXXX of XXXX  and they informed me that they had stopped access due to privacy concerns regarding the previous mortgage owners information apparently still in that account. They also informed me that they were working to resolve the problem. I have since called numerous times and given a case number of XXXX with no outlook for resolution. 
The Freedom Mortgage phone payment method is absolutely the most tedious and frustrating interface I have ever had to deal with. It is almost as if they are hoping folks using the system will XXXX it up and miss a payment. I once again called today and was told that there was no outlook for resolution. I googled searched this issue and to no surprise it seems that anyone with an assumed mortgage involving Freedom Mortgage is having the very same issue. While there isn't a single, explicit law stating mortgage companies must provide web or application access to a mortgage account, the Consumer Financial Protection Bureau ( CFPB ) regulations under the Truth in Lending Act ( TILA ) essentially mandate this by requiring lenders to provide borrowers with accessible and accurate information regarding their loan details, which typically includes online access to account information through a secure portal. The Freedom Mortgage phone system does provide accessibility to my mortgage information but again it is the absolute worst phone interface I have ever used and it obviously does not allow for electronically copying and storing the information as one needs to be able to do these days. This can not be a huge software development effort to fix and really do not understand Freedom Mortgages reluctance to fix this issue.
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-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 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (TX)

Mortgage company has been charging and excess fee since XX/XX/year> of {$30.00} this year. I have inquired to the company what is the fee for and being applied to, the representative could not inform me via phone. I requested a supervisor, the representative informed me it will take a " really long time. '' I waited on hold XXXX minutes and not one returned to the phone. He put me on hold awaiting escalation department. 
I was finally transferred XXXX, the previous representative a gentlemen never gave his name or ID number. He had not placed notes in the system prior to transferring me. 

He ( XXXX XXXX ) tried to explain the XXXX was an NSF fee from XX/XX/year>. This matter was reconciled as the mortgage company errounesouly charged an NSF fee on a payment in which I paid directly prior to the scheduled draft. 
As I explained the NSF fee is {$41.00} per their statement, I am being charged {$30.00} each month. The representative was not knowledgable of the company 's statement, basic computation skills and exuded the lack of regard to the facts stated and printed. 

Repeatedly requested a supervisor, then asked for the escrow department which is when I spoke to XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX with a balance of {$20000.00}. The hard inquiries that are on my credit report that should also be removed, blocked, and deleted are a hard inquiry from XXXX XXXX XXXX XXXX, a hard inquiry from XXXX XXXX XXXX XXXX, a hard inquiry from XXXX XXXX XXXX XXXX a hard inquiry from XXXX XXXX XXXX and a hard inquiry from XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MI)

Self Lender/ Lead Bank credit card was opened by me, however, card Was stolen in XX/XX/XXXX. After realizing months later that the card was stolen and had a balance I attempted to view the account online with no success. I notified Self Lender of the problem and was issued a new card that also took several months to be received. After receiving the new card, I did pay the balance and notified Self Leander that the missed balance was not from me but from the card being stole. I was told to write a GOOD WILL letter explaining the situation, which I did. This letter was denied and they refused to make the change on my credit report. I reached out to SELF in XXXX and XX/XX/XXXX asking for documentation that I called and reported the card stolen and that a new card was issued to me and I was told that I would receive that from " XXXX '', however, I only received statement that I had an account with SELF. Nothing stating that they had been notified of the card being stolen.SELF refuses to correctly report this account and the fraudulent activity. I never received any documentation that was promised, The account has been closed since XX/XX/XXXX and it is still reporting as a balance on my XXXX report as well as delinquent on XXXX, XXXX and XXXX.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Please Delete the following inaccurate and incorrect items reporting under my personal information to all three credit reporting bureaus below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX CONSUMER STATEMENT XXXX - DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 
DELETE THIS CONSUMER STATEMENT FROM XXXX REPORTS! 
XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EQUIFAX - XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information according to 15 U.S.C 1681 XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX XXXX
Consumer complaint received 2022-02-21
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (DE)

Several attempts to remove listed account of consumer report due to identity theft i made a complaint thru cfpb for this debt collector CCS Collections and they responded stating they have no account listed in system i am uploading the name of the creditor and asking this account be deleted as soon as possible
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I entered the atm at Citibank in XXXX XXXX and was a victim of bank fraud. Several people were waiting on line at the branch where my card information was stolen. Over twenty transactions occurred on my account and Citibank did not alert me to any of the big transactions that were going on. Citibank has refunded me most of my money that was stolen except for {$4800.00} that is still remaining, I've contacted them on several occasions and was just told it's still being investigated. This is an outraged considering that most of my money has already been refunded and they are holding this last amount. Can you please advise or assist me with this matter because I need my hardworking money as this is not fair to it's customers who trust banks with their money.
Consumer complaint received 2024-08-31
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. (NC)

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 2024-08-31
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.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}