davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-28
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. (GA)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-10-17
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. (MD)

I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my Equifax report. Address listed for the credit union on my report is XXXX XXXX XXXX. XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact equifax. I started a dispute with Equifax but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my XXXX report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per XXXX, I sent an e-mail to XXXX XXXX asking them to send a letter to XXXX to ask the inquiry be removed from my account as it was not requested by me. XXXX told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on XXXX Credit report. Address listed for this XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv XXXX credit report before until just now when I noticed the other two inquiries. When trying to access XXXX for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.
Consumer complaint received 2024-08-20
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-08-26
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OK)

We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.
Consumer complaint received 2024-08-26
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. (FL)

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 


This matter concerning the XXXX XXXX XXXX XXXX account has been resolved with TransUnion in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent account from my credit report as they are fraudulent information. Im expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I opened my business account in XXXX in New York and it was operating normally. Within the next couple of weeks I received XXXX wires for services rendered. Almost XXXX weeks later I attempted to use my account to send a wire and ended up getting error messages and a message to call a number to verify the transaction. The representative verified my information but I didn't re-attempt the transfer. The following day I was locked out of my account without warning or reason and told that I would receive a check for XXXX XXXX  in 60 days which is ridiculous being that I have funds sitting from two separate wires about to get lost or stolen by Citibank for no apparent reason.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the XXXX XXXX. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to XXXX, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

I paid a bill to Home Depot online on XX/XX/year>. A week later I saw a check sent to my Credit Union with all my banking info from HD. The paper check had no signature and a ck # XXXX. I contacted XXXX XXXX and they were concerned that this was some type of fraud. I write few checks, and they thought that it looked so odd that they suggested that I close the account. The money was pulled back. When I contacted HD I found out that I had been enrolled in Autopay but would not tell me who had done it or when it had been done. Nor why a paper check had been sent to my XXXX. And I found a " returned check fee '' added to my account. That fee was cancelled and Autopay was ended upon my insistence, but I could not get an answer to the issue of why the Autopay was turned on in the first place. I never use Autopay for any bills that aren't regular amounts, such as insurance or loan payments. Entries to my " account activity '' were made without my knowledge, and HD customer service denied what I was reading to them as we spoke
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit reports with XXXX, Experian, and XXXX and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX XXXX XXXX XXXX  ; all other addresses are erroneous. There is an account listed on my XXXX report as XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on Experian as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX, Experian, and XXXX as XXXX XXXX XXXX XXXX XXXX, which is listed as a charge-off, The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. Delete this account immediately. There is an XXXX from XXXX XXXX XX/XX/year> that appears on XXXX that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.
Consumer complaint received 2017-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (MS)

My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.