davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX  XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXXXXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute the late payments listed on my credit report for the closed account XXXX XXXX XXXXXXXX. These late payments are inaccurate and do not correctly reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this incorrect information. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting. Given this obligation, I request that all late payments associated with this account be promptly removed from my credit report.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi EQUIFAX, I just checking my credit report and i see this fraud collection from XXXX XXXX XXXX XXXX that was opened without my knowledge. 
I DONT EVEN KNOW WHO THIS PEOPLE ARE. This fraud collection shall delete from my credit report. I was on the phone with the fraud team from XXXX and the told me this account is fraud and they deleted it from their system.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute the late payments listed on my credit report for the closed account XXXX XXXX XXXXXXXX. These late payments are inaccurate and do not correctly reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this incorrect information. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting. Given this obligation, I request that all late payments associated with this account be promptly removed from my credit report.
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 informationisinaccurate.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (IL)

On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (OH)

I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015
Consumer complaint received 2024-08-25
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. (TX)

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. 

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : 1. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA.

3. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file.

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXXXX/XX/XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : 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 applied for a checking account from my spouse member number and I got a denial so I called because my credit is good and I wasn't sure why I was denied. They told me I had a car loan with them before that wasn't paid. I had no idea what the representative meant because I never had any loan with XXXX XXXX so I asked for an investigation they provided me with a fraud document to fill out and return to them at the office. I provided the information, and they then told me it should take 15 days and they would send me the decision by mail. After a month went by I then called again to follow up they stated it should sometimes take up to 60 days to complete and they would then send me the decision by mail. 4 months went by I then asked to speak to someone in charge so I could file a complaint then they sent me a letter just saying the information appeared correct. I asked for verification and it was never provided. I have never had a load with this bank and this needs to be deleted.
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)

There are several items on my credit report that I have no knowledge of, and do not belong to me. These items are having a negative impact on my credit report. Since I have no knowledge of these accounts ; I am asking you to investigate these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that these items be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I appreciate your attention in this matter.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

Hello - I ordered my credit report and score from Experian on XXXX XXXX, 2016. I paid {$8.00} with my XXXX XXXX card and the transaction 's confirmation # is XXXX ; the report number for my documents is XXXX. The website said I would receive my packet by XXXX XXXX, 2016. I did not receive it. I emailed Experian through its general " contact us '' portal on XXXX XXXX to ask about it, and have received no reply and no packet. I emailed them again today, XXXX XXXX, and do not expect a reply to this either. I sat on hold for many minutes today hoping to speak to someone, in vain - never got to speak to anyone, so I hung up finally. Is there some way you can please facilitate their keeping up their end of the bargain? At the same time ( XXXX/XXXX/16 ), I ordered from the other XXXX credit companies, XXXX and XXXX, and had completely straightforward, aboveboard experiences with them both. I am angry with Experian! Thanks for any help you can provide. 
Regards, XXXX 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX, MD XXXX
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. (FL)

Upon reviewing my credit report, I discovered several unauthorized hard inquiries I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them from my report. This issue is causing undue stress and is negatively affecting my financial standing
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: EQUIFAX, INC. (MO)

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. Account ( XXXX XXXX ) and ( opportunity financial ) is removed off my transunion report but still reporting the inaccuracies on my Equifax report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( XXXX XXXX ) ( Opportunity financial )
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 COVID-19 pandemic. 
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 COVID-19, 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX