davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear, Equifax Information Services LLC On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 4. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-29
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. (VA)

Transunion has not done a proper investigation according to the standards of the FCRA. 

I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. 

Transunion says they have updated the account however there are still inaccurate information reporting. 

However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. 

How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. 


Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report.
Consumer complaint received 2024-11-02
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. (FL)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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: EQUIFAX, INC. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-09-11
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (MA)

My loan got put into a review for a loss mitigation option on XX/XX/scrub>XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, we have maintained XXXX doing better and I work full time steadily now but I just need assistance to catch up. 
I was advised I could be eligible for a Flex modification. 
Since Ive asked to go into review for a loss mitigation, Ive received incorrect information multiple times, asked to send in an application when I didnt need to and on recorded line have been informed there were errors made by Mr . Cooper and that is what is causing the delay in the Flex modification review. It is now XX/XX/XXXXXXXX XXXX and my loan is still in review with no accurate answers. 
Ive received demand letters though from Mr. Cooper. 
This has affected my health, Ive emailed and called multiple times with no answer or resolution.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

( Receiver Equifax ) Equifax information crevices XXXX XXXX XXXX XXXX XXXX, GA XXXX I'm writing this letter to dispute certain information that is falsely listed on my credit report reference above. the information that appears on my credit report is inaccurate.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NC)

While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was XXXX. Thank you!
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: EQUIFAX, INC. (PA)

I woke up this morning to find inaccurate accounts on my credit report, and I have no idea why theyre there. Ive checked my report countless times before, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors stayed, and now Im left feeling helpless. Im begging that the documents Ive sent are checked thoroughly so I never have to go through this again.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (TN)

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or list of inquiries 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 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

I received a very obscure email at XXXX XXXX  on XX/XX/XXXX from square letting me know that they deactivated my account and they're holding my funds for $ 180 days and the only thing that they will say is that they decided to deactivate my account and they hold it for 180 days in case of disputes or chargebacks it won't give me any other information they said that the linked bank account on the account will be where the money goes after 180 days except there was no linked bank account I tried explaining this they did not care about what I was saying so now I have to wait for up to 180 days because they are holding {$250.00} of my money. 


They have access to the transactions that were done on my account and none of them were of anything that somebody would have been able to do any kind of a chargeback on it was all fast food or money transfers for like instant stuff in a in a store so the fact that they're trying to say that they hold it for chargebacks isn't relevant in my situation
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX CFPB XXXX XXXX, XXXX XXXX Re XXXX XXXX XXXX XXXX : This is a complaint regarding complaint processing at the CFPB I do not expect a direct reply from you, but rather a person in authority who can speak and address this. 

I have been informed that the FDIC forwarded a complaint, together with all supporting documentation submitted to them to the CFPB on Fifth Third Bank as they indicated that bank is under the CFPB jurisdictions. 

The specific Fifth Third Bank were documented to your office on XXXX and XX/XX/XXXX With no responses. 

Whie discussing its status recently with an online rep, I was told the complaint was closed. 
I stated to the rep that the Fifth Third bank has made erroneous comments to the CFPB and me as was fully documented throughout the complaint processes, I.E., that bank has failed to pay me proper interest for XXXX thru XX/XX/XXXX AT AN INTEREST RATE OF 3 %. 

Fifth Third, including their senior management off of XXXX has been contacted numerous times since XX/XX/XXXX with nothing but nothing but erroneous replies I was told that the CFPB will not pursue the complaint as because an institution only will respond one time to the CFPB I question that action from this agency in assisting a consumer and need assistance on that action by the CFPB. 


I need a prompt written response to be sent via XXXX, XXXX XXXX mail, Thank you. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear EQUIFAX As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX  accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( XXXX ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( XXXX ) ( XXXX ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available
Consumer complaint received 2024-09-05
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. (NC)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

I have had a line of Credit with credit fresh for a few months and finally used it. In the truth in lending there is a chart that shows ranges that have the payment based off the amount you withdraw so I thought. Come to find out this is just a fee and that doesnt go towards the principal at all. In my case I withdrew {$2300.00} and the chart showed XXXX a month. Not knowing this XXXX XXXX  year s just a monthly fee and none of that {$300.00} is going to principal. How in the world is this legal to charge this much for a fee or interest. There are tons of complaints in XXXX XXXX XXXX  about this very issue