davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (MO)

Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

XXXX XXXX XXXX XXXX XX/XX/2021 Experian XXXX XXXX XXXX XX/XX/2021 Experian
Consumer complaint received 2024-10-11
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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)

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts musth be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
1. Creditor Name : XXXX XXXX XXXX  Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-10
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)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am trying to buy a house for me and my family and these accounts are hindering. Can you please remove them. I have already contacted FTC
Consumer complaint received 2024-10-10
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. (VA)

RE : EQUIFAX REPORT # XXXX This CFPB complaint constitutes a second written communication for the record. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to EQUIFAX with a copy of a valid XXXX issued ID verifying my identity & location information, which stated my preferred method of correspondence which is furnished on the report stated above in the contact section. 

On XX/XX/year>, I received a response letter dated XX/XX/year> requesting additional verifying documentation that is private & personal in nature in order to proceed with my dispute. 

EQUIFAX request for additional verification is irrelevant, excessive, an invasion of my privacy & for their unjust monetary gain at my expense. 

EQUIFAX is in violation of the following : 1 ) Invasion of my Right to Privacy by sending correspondence to my private dwelling without my consent ; without lawful authority.

2 ) Requesting excessive & irrelevant identity information without lawful authority. 3 ) Unauthorized access of my personal Private location information without my express written consent ; without lawful authority. 4 ) Unauthorized sharing of my personal Private location information without my express written consent ; without lawful authority. 5 ) Disregarding my preferred method of correspondence.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (TX)

CMG Mortgage Company verbally approved an XXXX agent to open a home insurance policy on my behalf without my consent, even though I had explicitly informed the XXXX agent that I would be using State Farm as my insurance provider. Despite my instructions, CMG Home Loans proceeded to pay the annual insurance premium to XXXX twice from my escrow account. I only discovered this issue when I was contacted by XXXX XXXX regarding a missed XXXX  premium payment
Consumer complaint received 2023-08-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CO)

After I filed initial complaint # XXXX on XX/XX/XXXX against XXXX XXXX XXXX XXXX company restricted my online access as well as that of the co-borrower, so we could not make payments. 

The company ( via XXXX who said he is a XXXX XXXX XXXXXXXX ) called me on XX/XX/XXXX and left a voicemail. I returned the call this morning ( XX/XX/XXXX ) and was on hold waiting for someone to answer for app. XXXX minutes. I later received a call from XXXX XXXX on XX/XX/XXXX ) to discuss the initial complaint, he advised he would be sending over information, which has not been received. I mentioned to XXXX that I and the co-borrower were unable to make a payment via our online accounts and he informed me that our access had been blocked by the company ; once I filed a complaint. I asked if this was company policy when someone files a complaint and he said he really didn't know. He placed me on hold and returned to the call and advised it was company policy. I asked him to send me a copy of the policy for my records and he then changed his statement and advised there was no policy to send. I informed him that this felt retaliatory in nature and that I would be filing a new complaint for the retaliation. XXXX then got very angry and said he would be disconnecting the call and said if I didn't want to make my mortgage payment over the phone he would just hang up. At this point my only option for making the mortgage payment was to do it over the phone as my entire account access was blocked. XXXX processed the payment ( or advised me that he did ) and then said if I wanted online access, I would have to register a brand new account. I no longer have online access and neither does the co-borrower on the loan. This company provides horrible customer service and retaliates against customers who file complaints with governing bodies- that seems like a huge XXXX XXXX issue that the CFPB should be investigating. Customers should be able to file complaints without fear of retaliation or fear of loss of access to their accounts, especially when it could mean the difference between making a mortgage payment and not being able to make a payment. This is gross conduct by Village Capital.
Consumer complaint received 2024-10-10
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)

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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

filed form by mail for all three credit agencies but only received XXXX  and XXXX, not equifax,. created equifax, my equifax account, but can not log into it, always get try later message for days all hours.of the day. Needless to say the weeks it is taking to fix the problem produces more stress and fear my data will be used against me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I applied for the Covid 19 relief and then when that was all over they told me I had to pay thousands of dollars I didnt have or I will lose the house. Since they wouldnt work with me I was forced to apply for loan modification and I applied for packet after packet and got denied. I then was told I could remove my ex ( the coborrower ) off the home during this process and I sent in the quit deed to avoid needing to submit his paystubs and they also denied that packet. I cant even keep track of how many packets I submitted but in the end they posted my house on the internet for foreclosure and I was harassed via phone and strangers coming on my property whom looked through the windows of my kids asking to buy the house because they posted my address all over the internet to be seen.even friends and family saw it. I literally have XXXX from this house. I just dont think this all should have happened when they offered Covid 19 relief and then in turn force people to pay that entire amount in full. I lost my house of 14 years because of this. It misplaced me and my children. It was honestly the most stressful thing I have ever been through in my entire life, I also had a XXXX during this time because of the stress I was under.
Consumer complaint received 2024-09-24
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-15
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. (MI)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (CA)

I am writing concerning my credit report, which contains inaccuracies requiring your attention. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. Specifically, I dispute this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (SC)

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . INCLUDED IN THIS CFPB COMPLAINT IS : A LETTER OF DELETION FROM XXXX XXXX, 1099 -C FROM XXXX XXXX, FTC REPORT, LETTER OF INTENT TO SUE, DOCUMENTATION OF VIOLATION OF CODE 15 U.S.C. 1681, CONSUMER IDENTIFICATION AND SOCIAL SECURITY CARD. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE REMOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR AGO. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to XXXX XXXX XXXX XXXX, XXXX, Transunion and XXXX is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Consumer complaint received 2024-10-15
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I lease car XXXX XXXX signature model XXXX  after3 years I was in XXXX & my registration is above to expire. I went to dealer which XXXX XXXX gave massage I went there they didnt help I told them take whatever your charges for documentation and I can take refinance on buying a car but they didnt do it. I had approved loan from XXXX  XXXX XXXX but I was in rush because my registration is going to expire so finally I called XXXX XXXX XXXX XXXX told them I am buying car send me documents then I did from my account bank certified check send them overnight courier. After sending check I told them please send me car Title as soon as possible I am providing you my FedEx account number please do overnight t they promised me we will do it but they didnt do it and in 15 day I was keep calling them more then hour hold time on phone in 15 days may be I talk to them 75 hours on talking time on phone even supervisor also said you will receive by XXXX from our account etc some supervisor even say we will do tomorrow morning like that kind of promise they didnt do it they dont have information or not I dont know I told please check bill of sale is showing separate NY Tax make sure because I paid them they ya we check all is good and then they did it by regular mail which they did wrong and bill of sale didnt saw separate tax I called them I had XXXX appointment I said I need now they said it take XXXX minutes and we dont do it by E mail give me Fax number I gave my office fax number they did it after I left from office because I had appointments to XXXX Then only supervisor help me XXXX even she called me when XXXX was in XXXX XXXX me by E mail but I had to spend more time XXXX for XXXX to XXXX hour XXXX wanted to verify Documents in this process we had gone through a lot my head was paining when I explain situation to all XXXX employees I Thought what kind of Company this I Will Never buy XXXX again if I talk on XXXX explain so many other things