davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (TX)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-01
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (OH)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-01
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I would like to request for XXXX Long story short, I've expressed to XXXX  that my mortgage was being stolen, and what should be a balance of {$300.00} to {$390.00}, instantly and now reporting in my credit a balance of {$440.00} ... ..fix it now. 

I purchased property XXXX {$460.00} over XXXX yrs ago and paid full escrow only. I have never once authorized any heloc, loans or payment. 

I have all the documentation since date of purchase to prove the fraudulent and thieving activity.
Consumer complaint received 2019-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CO)

In XX/XX/2019 I was received urgent care services from XXXX XXXX. After I received these services, I was informed that I would receive a bill in the mail. I never did receive any such bill. In XXXX of 2019, my credit monitoring service informed my that the account had been referred to collections. I also have not received any bills from the collections agency. 

Immediately after learning that my account was in collections, I disputed the information with the XXXX. I received a response claiming that my dispute was invalid. The response did not contain a reason for the rejection, nor a promise to send bills as requested or any information I could actually use to resolve the debt ( account number, etc ).
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX VIA DEALER XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My name is XXXX XXXX and I was looking to purchase a house with 25 % down payment with a conventional 30 yr mortgage. XX/XX/XXXX I entered an agreement of sale to purchase a house and a settlement date of XXXX XXXX. I had already started the mortgage process with XXXX XXXX, of bank of america ( nmls id # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. On XX/XX/XXXX, I met with XXXX, gave him various documentation related to the loan and finalized our application and I gave him my credit card information for the appraisal and whatever fees were necessary. The next couple weeks he asked for additional various items to complete our paperwork. XX/XX/XXXX XXXX sent me an email that I have provided everything he asked for. XX/XX/XXXX the loan commitment or denial was due and neither were submitted. XX/XX/XXXX XXXX has no answers on whether my loan commitment was accepted of denied and has no idea when an appraisal will happen. XX/XX/XXXX he stated we will not close on XX/XX/XXXX with no other explanations or answers. XX/XX/XXXX, of course we did not close. XXXX XXXX I notified the bank in frustration, I will not be using them to purchase the house. XXXX XXXX, out of the blue ( 18 days after it's due, 3 days after I told them I will not be using BOA and 5 days after I was supposed to settle on the loan ) they miraculously give me a loan commitment letter. 


I find it strange that on XX/XX/XXXX XXXX XXXX starts sending me emails asking me to withdrawl the loan, when it's actually BOA that isn't able to fulfill the contract. I did everything that was asked of me and everything I could do in a timely manner. I did not want to withdrawl. I find this behavior to be very strange and leads me to believe that something suspicious is going on. 

I ended up having to use another bank, start the process all over again and finally end up buying the house 3 weeks later. 

I find it hard to believe that banks and loan officers are allowed to operate in such a haphazard, irresponsible manner in a regulated and licensed industry. Are bank allowed to deny loans 8 days before settlement with no explanation? I submitted payment for an appraisal on XX/XX/20 and a appraisal was never done, or scheduled. Bank of America and XXXX XXXX should be held accountable for their actions. They cant be allowed to operate in this manner. Theres no recourse or repercussions for their negligence! This is simply wrong!
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX XXXX : {$1400.00} Date : XXXX XXXX XX/XX/XXXX Amount : {$440.00} XX/XX/XXXX Amount : {$660.00} XXXX XXXX  Date : XXXX XXXX Amount : {$900.00}
Consumer complaint received 2023-03-31
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$27000.00}
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I logged into my Charles Schwab late XX/XX/XXXX to review my account and to purchase my monthly stock. However, when I logged into my account I received a " For your protection, we need to verify your identity before proceeding. Please call XXXX for assistance. '' error. I then called this number at XXXX XXXX and was told by the customer service representative that my account was closed due to an " internal business decision. '' I asked for more detail regarding this sudden action and was told that no further information could be provided. I then asked for a supervisor and they also could not give me any further information and offered options to close my account. I asked again if I could talk to someone higher for additional clarification and if there was the possibility to both appeal this option and to understand more about the reasoning but the supervisor was unable to do so. I thanked them for their time and informed them that I would be filing a CFPB complaint. I also asked information regarding arbitration in case that option was required. 

For some background knowledge, I had opened my Schwab account when I was in college and planned to continue working with Schwab until beyond retirement. XXXX XXXX, I started to practice dollar cost averaging and how to invest into a XXXX XXXX Customer service has always been both transparent and I'm always able to talk to a real person. I am fond of the ease of use of the website and the recently updated phone app and would like to continue being a client of Schwab for the future.

I do understand that there has been some suspicious activity in my bank account. I was unfortunately a victim of check fraud and Schwab may have been informed by the relevant authorities regarding this fraud. I hope Schwab is able to see this as a minor hiccup in our long and fruitful relationship, and that Schwab is able to understand the long term benefits of this relationship.
Consumer complaint received 2024-10-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (OK)

In 2022 I assumed a loan from myself and My now ex-wife in order to avoid refinancing my mortgage. Freedom mortgage, who I never wanted to work with, but purchased my mortgage from the originator, then after the fact deleted my account without informing me and I have since been unable to view said account online because " the previous borrower 's information would be available to me ''. Time went on and I recently moved and purchased a new home on my own in another state, intentionally avoiding working with Freedom Mortgage, but they bought it out in the end anyways. I am now unable to view or manage the new mortgage online because they said " the accounts are linked by the Social Security Number and will never be allowed to have an online account again because the previous borrower 's information of the other account would be viewable ''. 

Complaint number One is that the previous borrower is myself and my ex wife, of which i still have the previous financial records from because they were all shared accounts so there is no viable reason to stop me from viewing my first mortgage. 

The second complaint is that I am being penalized on my new property because of the previous mortgage. 

It seems absolutely wild that consumers have ultimately no choice in who services what is likely to be their largest purchase of their lives and are forced to deal with companies such as Freedom Mortgage, who have been unaccredited by the XXXX XXXX XXXX due to their constant complaints. Against my will, this company holds $ XXXX of my risk and debt in their hands and refuses to let me view and manage it online as is the standard in todays age.
Consumer complaint received 2024-09-13
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. (IL)

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC report to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-09-13
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. (PA)

This account was charged off on the following date XXXX, 2019 Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2019-12-26
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. (FL)

You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.
Consumer complaint received 2023-03-31
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. (MO)

I am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX
Consumer complaint received 2023-08-06
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)

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 b 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. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX has violated my rights.

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
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NC)

How much I would like to say good things about this company I can't as you already know I file XXXX complaints within the last XXXX XXXX about the same issue just different credit cards through them today I applied for a at home credit card and I was approved for {$2200.00} for again a at home master card then I was taken off the approval page to then see a message that says we have to think about the application for approval of the application for a non master card nowhere in the terms does it say the company can approve then dis approval application that's for starters I called and at home customer service immediately says they don't see an application for the name provided by the way this company does this to alter their terms and conditions for certain individuals which makes that discrimination see attachments this is for the company synchrony bank at home master /credit card .