davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Balance Owed : Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report 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 whom the report relates.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I received a notice of service transfer from XXXX in XXXX stating my mortgage was transferring to Mr . Cooper. ( FKA Nationstar ). On XXXX XXXX, XXXX I received an overnight letter from XXXX explaining that my loan was removed from the transfer and i would be remaining at XXXX. I have an ACH set up on this account, and it drafted my monthly payment as expected on the XXXX. I received an email from Mr Cooper on XXXX/XXXX/XXXX stating that my loan was now being serviced by them and that my ACH would automatically transfer to them and they would remove my payment from my bank account. I called Mr Cooper to confirm who was servicing my loan and make sure two payments would not withdrawal from my account. The associate stated she could not help me because all of my information had not been received into their systems yet, but she confirmed that they do service my loan and she was not sure why XXXX sent me the retraction letter. I asked her to escalate this as i had serious concerns - 1 with their ability to auto withdrawal from my account without my express written consent, and 2 that i needed to ensure my loan was only with one company. She said since my loan was still being set up there was no one that could help me. she then proceeded to explain that Mr Cooper is in the process of boarding XXXX loans and they are getting a lot of calls so they could n't help me for another 6 days. I asked again if there was really no one that i could escalate too as this may be affecting more customers than me. She said they 've received several complaint calls about paid in full customers that should n't transfer, but not about my situation. I again asked who i should call, I suggested XXXX and she agreed I should call them. I did call XXXX tonight and spoke with XXXX, who was extremely helpful, confirmed my account was supposed to stay with citi and the retraction letter was legit. He attempted to conference Mr. Cooper in on the line with me to get the issue resolved, but the IVR stated they closed at XXXX CST today. It was a few minutes BEFORE XXXX CST when the call attempt was made. What kind of customer service is this? I work, i do n't have time during the day to call and resolve the inadequacies of a mortgage servicer like Mr Cooper. I will now need to call tomorrow and hope I can get through to them.
Consumer complaint received 2024-07-01
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: EQUIFAX, INC. (NY)

I am writing to follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.
Consumer complaint received 2024-07-15
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. (FL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT!!! As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been identified as a XXXX XXXX XXXX that has resulted in Debt Bondage and affects my consumer report. As a XXXX of XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-25
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)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR 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  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Hello, I was pre-approved by Synchrony Bank Credit Card last XXXX  2022 for a credit card and when I accepted their offer, I was given a credit limit of {$4000.00}. I used my card and have been making payments monthly and on time. After a year, XXXX  2023, they increased my limit from {$4000.00} to {$6000.00}, to which I DID NOT request nor applied for. My credit is not stellar but I make sure I don't miss any payments on any of my existing credit cards. The increase in limit has helped my score to go up. However, this year in XXXX, I was surprised to see that Synchrony Bank Credit Card had " decreased '' my credit limit up to the amount of my outstanding balance. This had caused a HUGE drop in my credit score as it showed almost XXXX XXXX usage on this particular card alone - from the XXXX 's score down to below XXXX score. I called them and asked for the reason and they said that based on my credit utilization, they had to lower my credit limit AND I don't own a home where they can recover my liability to them. 

As a consumer, I don't think it is rightful and legal for Synchrony Bank to lower my limit just because I don't own a home. My credit utilization may be high but I make sure I make on-time payments and pay additional rather than just the minimum. This is discrimination against non-homeowners. If they rewarded me with a higher limit in XXXX  2023, they should have kept that limit instead of decreasing it. I don't intend to use them as I have been paying cash in all my expenses now and I have been working so hard to increase my credit score or leave it fair. This is the only credit card company I know of who penalizes consumers for not owning a property and takes back their reward for having more than XXXX XXXX utilization, even when payment history is outstanding. 

I am submitting this complaint to seek your help on this matter. It affected my credit score tremendously. Had I known they would damage my score this much, I would not have accepted their credit card offer. 

Thank you so much! 

Respectfully.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-06-13
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)

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 2024-06-13
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)

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and experience Credit reporting agency Concerning These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

THIS IS MY XXXX AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO XXXX, EQUIFAX, AND XXXX AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.