davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2024-10-05
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. (OH)

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX  XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX
Consumer complaint received 2024-09-03
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 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 2017-09-12
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. (OR)

Equifax has mishandled my information, likely through the employment of inadequate security procedures related to the sensitivity of the information it possesses. It has demonstrated itself incapable of deploying proper security measures, through the further discovery of the use non-random pin numbers for freezing credit histories. 

I was not directly notified by the company, in spite of the fact the company possesses the contact information required to make notification. 

I must now take affirmative steps, at my own cost, to mitigate the damage caused by the negligent mishandling of my most personal financial and identity information. This is a burden on my time and my financial resources, and should not be my cost to bear. 

I encourage CFPB to take all steps necessary to require Equifax to provide credit monitoring and secure credit freezing/thawing services to me at no cost. 

In the long term, I encourage CFPB to be a more active voice in encouraging the reduction and replacement of the use of social security information in regular consumer transactions. It is well past time to decouple this information from use in minor business transactions.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PR)

Sallie mae private bank disbursement student loan for {$5000.00} on XXXX - XXXX XXXX without finish my student carrier begin to call for loan repayment. Struggling to repay my student loan, sallie mae. Interest rate continue to get higher without clear explanation for continue charge.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

*THIS IS NOT A DUPLICATE* I am submitting more documents refelcting my monthly payment amounts that Equifax and XXXX is showing over {$40000.00} per month required payment which his an error. Please correct to agreed amount as per FCRA. 

I am NOT required to pay over {$40000.00} per month I am including PROOF of payments plus documents of my identity
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Hello, When setting up my  " One Deposit Checking '' account with Citizens Bank, I specifically opted out of " overdraft protection. '' However, I received two overdraft fees of {$35.00} each, so I contacted Citizens Bank but received no help from them. If I have opted out of overdraft protection, why am I receiving fees? They seem to be quick  to tell me I ca n't be helped!     Thanks a  million for l ooking into this!     Thanks,  XXXX
Consumer complaint received 2017-09-12
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. (IN)

I heard that Equifax may have had an information leak and started doing some research on it today, XX/XX/2017. I know now that over 143 million users of this credit report company had their information stolen ( including names, addresses, birth dates, social security numbers and even driver 's license numbers! ) and that the hacking to get the information began all the way back in XX/XX/2017. After checking with the Equifax newly-setup website ( https : //www.equifaxsecurity2017.com/XXXX ) I have now found out that both my wife and I may be affected in this situation. 

I am flabbergasted that a company that is valued at ~ XXXX XXXX could n't put some amount of money into making sure the information they kept was secured and safe. I am in shock that peoples ' PERMANENT information ( including social security numbers!! ) were leaked into the public internet.
Consumer complaint received 2017-09-12
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. (VA)

With the Equifax hack, I wanted to validate whether or not my identity was included, however Equifax 's own tool to let you know if you were potentially impacted by the hack has been reported to be untrustworthy. So although it reported that I was included in the hack, I have no way to tell if that is true, and it tried to encourage me to pay for its XXXX XXXX process which it charges money for. So now I am uncertain if I am at risk of being the victim of identity fraud, and being coerced into paying money to the people that leaked my private information.
Consumer complaint received 2017-09-12
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. (KY)

I have made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I reported invalid credit inquiries to XXXX and Equifax. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.
Consumer complaint received 2017-09-12
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: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXXCFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX and subsequently, I want JPMChase to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
XX/XX/XXXX, I applied for JPMChase Mortgage Refinancing for my JPMChase ARM Loan XXXX, for which my JPMChase-calculated Credit Score was about XXXX 
XX/XX/XXXX JPMChase represented to my Homeowner 's Insurer, XXXX, that it had Closed on my Refinancing Package for my JPMChase ARM Loan XXXX on XXXX XXXX XXXX XXXX IL XXXX  seven ( 7 ) days BEFORE my scheduled XX/XX/XXXX XXXX XXXX, Closing at XXXX XXXX.
XX/XX/XXXX JPMChase 's Appraiser conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to JPMChase. That day, JPMChase represented to my Homeowner 's InsurerXXXX XXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with JPMChase as Primary Beneficiary, for my {$120000.00} First Mortgage, and as Secondary Beneficiary, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via First Class Mail, by XX/XX/XXXX XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED.
XX/XX/XXXX, JPMChase Mortgage Specialist XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XX/XX/XXXX, XXXX XXXX I arrived there by XXXX XXXX XX/XX/XXXXI continue to assert my federal civil right to review my HUD-1 for my XX/XX/XXXXRefinancing Application.
I want JPMChase to use the Highest Credit Score that it has calculated for me, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2017-09-12
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. (KY)

Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.
Consumer complaint received 2017-09-12
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. (OH)

At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navient is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XXXX however the status has not been updated to 'permanent ' after XXXX years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC (CA)

We are in the process of selling our home, buyers and I are doing an assumable mortgage in which the process started back in XXXX of 2024. Buyers and I have continually been trying to contact Flagstar bank trying to get dates on when we can expect to close on our loan assumption but no one is able to provide details upon request. 

First time we started contacting Flagstar trying to expedite the process was back in XXXX of 2024 to no avail. We have a 60 day escrow with our buyers and we have since gone passed our closing day scheduled for XX/XX/year>. The last Flagstar communicated to us was that the underwriter needed additional documentation from our buyers in which the buyers submitted on XX/XX/year> and the loan processor sent an email stating the underwriter should review the documentation within 48-72 hours. It is now XX/XX/year> and underwriting has not completed the task or updated us with closing information. 

I was originally supposed to report to work duty on XX/XX/year> but we have yet to close. This slow loan assumption process is also causing my family I a delay in the closing of our other home that is currently in escrow waiting on the close of this home. my family and I are currently in danger of losing our new home as well as having our rate lock expire I beg CFPB to step in and try to help remediate this issue as soon as possible as closing is delayed a week due to Flagstar 's assumption department and I need to report to work on XX/XX/year>. I need to close out the sell of this home by the end of the week or risk disciplinary action from my employer. I believe Flagastar has had a substantial amount of time to process our assumption and they have all of the documentation from the buyers that they need to process and give the clear to close on the loan assumption.
Consumer complaint received 2017-09-12
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. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-09-12
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. (IA)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.