davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX XXXX
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! I have been in communication with the consumer finance protecetion bureau, the XXXX, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! I am in talks with an attorney and honeslty i just want to have this over with! Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!
Consumer complaint received 2024-06-09
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. (TN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Idaho Housing And Finance Association (WA)

My mortgage was sold to Homeloanserv. 
They have been a nightmare from the start. 

My wife and I originally set our mortgage to be due between the XXXX of each month. This is the time frame we have the money to make our Mortgage payment. HomeLoanServ has a policy of all payments being due on the XXXX no matter what. We weren't aware of this until it was too late. We received a letter in the mail stating they were taking it over and that was it. I have talked to them nearly every month since. They refuse to change the payment due date. They refuse to allow split payments. This is causing a serious issue for my family. We are charged {$110.00} a month extra on top of our already {$3600.00} mortgage. This is incredibly hard on us. We have paid a total of {$1400.00} in late fees since they bought our loan in XX/XX/2022. 

I've asked them multiple times to work with me. I tried making a split payment to avoid the fee and the very next month I received an email saying " Split payments will no longer be allowed. Due amount must be paid in full in 1 payment each month ''. 

They call me every month between the XXXX to tell me that my payment is late. Asking when I'll be making the payment. 

Every time I have talked to them, or asked if there Is anything we can do. The only thing they tell me is. " You don't have to pay your late fee now. You can pay the mortgage and pay the late fee later '' this does not help at all. We're still being charged quite a bit extra. They refuse to work with us in any way. We had no say in them taking over our loan. I feel like it is wrong to continously XXXX XXXX over and not allow any way to help us.
Consumer complaint received 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( Capital One ), XXXX ( Kohls ), XXXX ( XXXX ), XXXX ( XXXX ) has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.
Consumer complaint received 2024-06-10
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. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

After I forwarded a copy of the FTC report, it became apparent that credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
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 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 2024-06-10
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. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (FL)

Equifax credit reporting agency and it's successors wrongfully reported my credit score to the creditors I was seeking credit with and my application was denied.My credit score with Equifax was well over XXXX and they lowered my credit score XXXX points on the day I was applying for the credit.The only change on my report that there was, me paying off a credit card balance of {$120.00} on one of my credit cards. There has to be a reason for Equifax to lower my credit score XXXX points I need to know what was the reason.The other credit reporting agencies report over XXXX for months at a time I never missed a payment with any of my creditors. I have know idea what Equifax 's qualifications employment hiring process is thou the decisions that those unqualified employees are making for consumers can have a serious adverse affect on a families life.
Consumer complaint received 2024-06-09
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. (AZ)

I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law.

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Equifax stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 
( XXXX ) This account is not accurate ( XXXX XXXX XXXX XXXX ) This account is not accurate ( XXXX XXXX XXXX  ) This is also completely inaccurate. XXXX XXXX XXXXXXXX ) This is not accurate. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX this
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

Threaten to sue me for the balance from Wells Fargo. They called a year ago as well same thing. I called Wells Fargo and I do not have any debts through them that have not been settled satisfactory When I ask them to send me the information that I need to make sure I have not missed an account they hang up and after the third time they just answer and hang up immediately the number is XXXX XXXX XXXX XXXX. Mans name was XXXX
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-06-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (IA)

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by this creditor. Specifically : Credit COLL Violation of Privacy Rights ( 15 USC 1681 Section 602 ) ** : According to Section 602, I have a right to privacy regarding my credit information. The creditor has not upheld this right as they have furnished my account information without proper consent.

Unlawful Furnishing of Information ( 15 USC 1681b Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I did not provide written consent for this account to be reported. 

Improper Late Payment Reporting ( 15 USC 1666b ) : Under Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by the creditor before the next billing cycle. The creditor has reported my payment as late despite this regulation. 

I request that the CFPB investigate these violations and take appropriate action to rectify the errors on my credit report. ''
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-08
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 was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-08
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. (VA)

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 2024-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

On XXXX, I sent a certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Collection Services requesting verification and validation of an alleged debt they reported to my credit report, and they completely ignored me. 
On XXXX, I sent them a follow up certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) requesting validation and verification of the alleged debt, again they ignored me, but continue to report it to the credit bureaus. I disputed the alleged debt with XXXX and XXXX. XXXX ignored me, and XXXX stated that they verified it with Credit Collection Services. 
I am demanding that they close the account in their office, and delete it from my credit reports.
Consumer complaint received 2019-07-31
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. (TX)

XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove
Consumer complaint received 2024-06-08
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (VA)

Hello, I have been working in the financial sector for over 10 years. I am writing to file a formal complaint against Freedom Mortgage regarding their handling of my mortgage loan and to request that the Consumer Financial Protection Bureau take action and impose a fine on them for their inadequate service. 

I purchased my home in XX/XX/year> and subsequently invested approximately {$150000.00} in substantial improvements, including finishing the basement, adding a new bedroom and bathroom, installing a full kitchen, creating a walkout basement, and upgrading drywall and flooring. Given these enhancements, I contacted Freedom Mortgage to request the cancellation of my Private Mortgage Insurance ( PMI ). 

Freedom Mortgage employed a valuation company with no valid web presence, and their report contained numerous inaccuracies. While XXXX and XXXX estimate my home 's value at around {$770000.00}, the valuation company reported it as {$720000.00}. This suggests that my {$150000.00} investment inexplicably decreased my home 's value by {$45000.00}. 

When I reached out to the valuation company to address these inaccuracies, they could not answer my basic questions. I then contacted Freedom Mortgage to request a revaluation. They assured me they would consult investors and respond within 15 days. However, after XXXX months and multiple follow-ups, I discovered they had forgotten about my request and asked me to resubmit a new PMI cancellation form. Despite my efforts, I never received a response. 

Freedom Mortgage offers only two ways to contact them : phone and their website messaging system. Despite numerous calls and messages, I received delayed, automated responses that did not address my concerns. I have repeatedly asked them to read my requests carefully and respond appropriately, but they continue to send automated replies. 

It has been over six months, and Freedom Mortgage continues to collect improper PMI payments without taking corrective action. I request a full refund of all PMI payments made since the incorrect valuation report. 

I urge the Consumer Financial Protection Bureau to take immediate action against Freedom Mortgage and impose a fine for their failure to provide adequate service and for improperly collecting PMI payments. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-08
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. (DC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (PA)

PNC sent me a promotional via mail to earn {$500.00} on opening a new checking account with minimum {$4000.00} deposit. I opened a new account at the branch and was told to wait 90 days. I called two times, both times PNC told me to wait longer. I finally called after last possible wait time and PNC then told me I am not eligible because my XXXX added me to her checking account. I met the terms when opening the account and PNC conducted false advertising.