davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

XX/XX/XXXX or XXXX, spoke with XXXX at Selene finance to request a reinstatement. she could not give me an exact figure but said selene would email me a reinstatement quote on monday. 
XX/XX/XXXX i called selene finance spoke to XXXX, explained to her i had not gotten an email and i was concerned about the time line. she said she could see my request, she said she would send a second request with an " urgent Flag ''. 
i explained that we had received a letter from an attorney dated XX/XX/XXXX but i was unsure as to when it arrived the letter stated that if we paid with in 10 days of letter they would forgo their fees but that letter did not have an amount. i had also received mail from Selene that was like the normal statement with an amount due and should i pay that amount? she stated that thoose questions would be answered in the email we would get. i explained again that i was concerned that we where going to run out of time to get the right amount to the right place. 
XX/XX/XXXX i still had no email so i contacted the lawyer who had sent the letter. contact via email because they only give reinstatement quotes via email or written request. 
XX/XX/XXXX law office sent email with payment which was now XXXX $ more dollars. i explained that we had. 
been trying since the XXXX to get this quote and it was friday money is due monday was there any way we could get an extension because our bank would not let us draw off the money for 7 days. she said she was doubtfull selene would do that XX/XX/XXXX i spoke with XXXX at selene about a possible extension since i still hadnot recieved an email from selene. she said they would not delay but that we could wire the money to Selene.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXXXXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-25
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 to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (PA)

XXXX XXXX  I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

XXXX fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month
Consumer complaint received 2024-09-25
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. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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  Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2022-10-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (UT)

I have asked them not to call my XXXX on his number at least 3 times. They will call and leave me a voicemail and if I dont call right back they will call my Fathers number and tell him they are a debt collector looking for me. They should be waiting 48 hours after leaving a vm for me to return the call. They have also left voice mails on my Fathers home number where he then played them outloud so everyone heard that a debt collector is looking for me. Trying to embarrass me does not make money appear in my bank account. Its harassment plain and simple.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (WA)

I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. 

XXXX XXXX?????????????????
Consumer complaint received 2024-09-25
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. (SC)

I would appreciate your help with the account that has been inaccurately reported on my credit report. This matter has caused significant damage to my reputation, and I am seeking your assistance. Your mishandling of my credit report has severely affected me, and this incorrect information has tarnished my reputation. Please take action to remove this misleading information from my credit report.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC. (OK)

I am a XXXX living in Oklahoma. I continued to use XXXX XXXX XXXX  while I am away because it used to be easy to use the mobile deposit option or have family to deposit money into. 
I recently tried to deposit a check for {$7500.00} through the mobile deposit option. It took several days, but after talking to several people at the bank, we got it worked out. The money hit my account the very next day-I was warned it might take up to two, but it was quicker than expected. 
Again, the money was approved and in my account. 
Two days later, I go to XXXX from XXXX  XXXX for an errand. My card was not working. I checked my account. The bank had withdrawn the {$7500.00}. 
The consequences of this are : late rent, a returned check fee, another trip to XXXX, and three missed XXXX XXXX classes. I am still waiting on information to calculate full damages, but I have it at at least {$1000.00} right now. 
i contacted the bank several times. They claim to have real bankers with real solutions-a quote from their automated customer service line. I memorized it after waiting on hold for hours. 
When I finally got ahold of of them, they, at first, said there was no issues. They then recanted this statement to the XXXX, and said they did in fact make a mistake. 
I asked the bank for {$500.00} reimbursement. They refused and will only pay the expenses in regards to the rent and the returned check. 
I am very unhappy. I am a lXXXX XXXXXXXX I do not believe that this was legal. I could be wrong. 
Please help me with this situation.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account XXXX XXXX has violated my rights . 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.
Consumer complaint received 2024-09-25
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. (OH)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Consumer Financial Protection Bureau Federal Trade Commission ( FTC ) Subject : Formal Complaint Against Equifax and Employee - Reference Equifax Confirmation # XXXX Dear CFPB and FTC, I am writing to formally lodge a complaint against Equifax and one of its representatives, XXXX XXXX ( ID # XXXX ), based on a disconcerting interaction that took place on XX/XX/2023. During this conversation, XXXX XXXX informed me that Equifax does not investigate Consumer Financial Protection Bureau ( CFPB ) reports, emphasizing that only Federal Trade Commission ( FTC ) complaints are addressed. He directed me to visit Identity.gov, which raised concerns about the thoroughness of Equifax 's investigative practices. 

Details of the complaint are as follows : 1. **Employee Information : ** - Equifax Representative : XXXX XXXX ( ID # XXXX ) 2. **Incident Description : ** - XXXX XXXX stated, " Equifax does not investigate CFPB reports, so I'm wasting my time. The only complaints Equifax follows up on are FTC complaints. '' 3. **Requested Actions : ** - I demand an immediate and thorough investigation into the conduct of XXXX XXXX and the apparent discrepancy in Equifax 's investigative procedures.

4. **Accounts in Question : ** - CFPB Reports Filed on XX/XX/2023 under # XXXX - CFPB Reports Filed on XX/XX/2023 under # XXXX 1. XXXX XXXX XXXX  XXXX  XXXX - Account # XXXX 2. XXXX - Account # XXXX 3. XXXX XXXX - Account # XXXX 5. **Equifax Confirmation Numbers : ** - # XXXX - # XXXX I urgently request your intervention to ensure a fair and impartial investigation into this matter. The actions of XXXX XXXX and Equifax 's stance on CFPB reports raise serious concerns about the company 's commitment to addressing consumer complaints comprehensively. 

Please acknowledge the receipt of this formal complaint and provide details on the steps being taken to investigate and resolve the issues outlined herein. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]. " ( E ) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph ( D ). i have the right to privacy 15 1681 604 consumer reporting agency can not furnish an account without my written intstructions
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

XX/XX/2019 - US Bank Home Mortgage Website for Mortgage For the last several months US Bank and its website have failed to process my, " in full, paid on time, monthly house or mortgage payment via their website. Since I happen to be a customer who actually likes to pay on time, before my scheduled pay date and extension window, each time I get a processing error message. This then results in the following actions : I trying again or several times, logging out, logging back in, opening a new tab, changing to a new or different browser, coupled with my clearing my cache, or perhaps restarting my computer. The last and final step is an immediate direct phone call to US Bank Mortgage 's department listed on their website and also on my monthly paper payment stub. If you are lucky to catch them during business hours, for us West Coast members this is not conducive at all, as times are CST XXXX-XXXX   XXXX - XXXX and XXXX. from XXXX - XXXX. If you are able to actually reach someone they are able to process your payment over the phone but that department has not been given the authority to email the owner/user email confirmation of payment just made for record-keeping purposes. Please note, this was the case for the XX/XX/2019 payment in which the same website again had a process error but this time looked like I might be charged 2-3 times. Each time I have to go back, wait until the next day to call back during said business hours to confirm did you US Bank, in fact, receive the payment, is it correct, how many times has it been processed, am I being charged more than once? Most importantly where is confirmation payment has been made and thank you for your business. Sorry that option does not apply here. The nice person informed they do not have that option to email. From a business standpoint, I can understand and respect limiting certain things however some process has to be in place for payment confirmation. US Bank recently made a website change roughly about 6 months ago. The so-called user/member dashboard interface is meant to be easier but I should not have added extra steps when making a payment. I can see for some it might be confusing, but most of all it has been riddled with processing errors and quite frankly I am sick of calling each month to verify my payment or more importantly make one, and then wait to see when they US Bank is going to get around to sending me my automated " thank you we received your payment here is your confirmation number! '' I would hope your team would be kind enough to look into the matter and come to a resolution with US Bank as to the process. As a company I am very happy and as a new homeowner ( first-time ) I would simply like to have a smooth process and not have to go in circles each month stressing over the house payment!!! I just want to pay and get it over with!!! 

Happy New Year CFPB - XXXX
Consumer complaint received 2024-09-23
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$520.00} XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$0.00} New Added Late Open : XXXX XXXX {$0.00}
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (GA)

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : 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 2024-09-23
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-02
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 am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX  opened on XX/XX/XXXX3, US dept of Ed opened on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX, dept of edXXXX opened XX/XX/XXXX, dept of edXXXX opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX 2- Unauthorized inquiry : XXXX XXXXXXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.