davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Horrible business practices by EquifaxXX/XX/2024- Sent all hard copy Minor Credit Freeze documents to Equifax via standard mail as they requested to implement my minor daughter 's credit freeze ( including my daughter 's birth certificate, my drivers license, completed Equifax Minor Credit Freeze form, etc. ) They do not allow email or other electronic submission. 

XX/XX/2024 - Received letter from Equifax stating they couldn't complete request due to missing items ( didn't say what specifically was missing ) along with another request for the exact same items previously sent. Re-sent the exact same items via standard mail as requested again. 

XX/XX/2024- Received another letter from Equifax stating they couldn't complete request due to missing items ( they again didn't say what specifically was missing ) along with another request for the exact same items previously sent. I then called Equifax to clarify what was needed and was told they actually did have all of the required docs and they stated " the freeze has now been added. '' They then said they were having a technical issue that was preventing a confirmation number from generating, but reassured me that the freeze did go thru. 

XX/XX/XXXXXX/XX/24 - Received a Child Credit Alert from Equifax via ID Watchdog with an XX/XX/24 alert date. Called Equifax to determine what prompted the alert and was told my daughter 's credit was not frozen as promised/confirmed. They then stated all of my documentation was expired and I would have to mail in all new copies of everything in order to reauthorize myself then call back a couple of weeks later before they would speak to me. In the meantime they still have not explained what prompted them to issue the Child Credit Alert for my daughter. 

This is ridiculous, especially considering the Minor Credit Freeze process only took me about 10 minutes online with both XXXX and XXXX in XX/XX/2024. While Equifax has made this process unnecessarily long/complicated and also made false confirmations over the past 6 months, they have unnecessarily put my child 's credit at risk.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-11
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days 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. 


XXXX XXXXXXXX XXXX XXXX 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 8
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC (MA)

XXXX XXXX of Cross Country Mortgage through manipulation and predatory harassment demanded {$130000.00} down for a {$300000.00} property joining with XXXX XXXX to simply force me into a property that I had already declined 7 times. Through constant texts phone calls they kept me with promises " But it is the reverse floor plan of the one you really want ''. " We will do a cash back since after 6 months of payments " to help you since down payment is high then you can trade in the stock market? " After 6 months XXXX XXXX refused deal and said " sorry " Never heard from him again Recently XXXX had slammed me in an unprofessional response to me story with no fault on him really and I forgave the whole thing. He said defensively " I could have sold it for profit today '' and he did not own up to renegging on the deal. He sounded defensive and " buyer sucker beware ''. When I met XXXX and XXXX, I had {$160000.00} and high XXXX early XXXX credit a paid off XXXX only XXXX miles and a future. After meeting XXXX and his deal, I am XXXX in debt will be on payment plans until I am in my XXXX, went homeless in XXXX, and own one duffle bag of clothes unable to even RENT today. I have now a small checking account owned by 19 collection accounts. 

I want a FULL investigation on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all things broke down including hot water furnace etc, within 2 years ) I will need to provide docs later as it needs to be procured. 
XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

ACCOUNT HAS SHOWN THAT IS CLOSED. HOWEVER IT IS INCORRECT NOT REFLECTING A XXXX BALANCE. THIS IS INTENT TO DEFRAUD. XXXX IS NOT FOLLOWING CONSUMER LAW. INTENTIONALLY CAUSING DUE HARM.
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NY)

Mortgage assistance application filed, based on medical circumstance, and Wife temporarily residing at XXXX XXXX due to serious injury, which I was denied and not qualified for any assistance program that are being offered by Wells Fargo Bank., as of this date, XX/XX/XXXX. All required documentation has been sent to the Wells Fargo Home Mortgage, Servicer ( i.e. Mortgage/Loan No. XXXX ). 
Prior to aforesaid date, I submitted a written " Appeal '', as to their continuous denials for the requested mortgage assistance relief by the Borrower, XXXX XXXX XXXX, under their advertised assistance programs ( i.e., Mortgage Payment Suspension '' and/or " Mortgage Payment Forbearance '' ) due to aforesaid hardships, which said mortgage relief denials were in fact, unjustified. 
Their said response, which included, but not limited to their only continuous referrals - " SHORT SALE '' and/or " MORTGAGE RELEASE '' ( i.e., Deed In Lieu of Foreclosure ) of said Borrower 's residential property in the absence of relation to his rights for such relief for payment assistance prior to their referral of foreclosure for pass due mortgage payments, i.e., {$3600.00}, with a Unpaid Late Fee of {$26.00}, as of XXXX, As said mortgage loan maturity date - XX/XX/XXXX.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Legal Basis for Dispute : Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately.

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Requested Action : I request an immediate investigation into these matters and the following actions : Verification and Removal : Verify the accuracy and legality of the information reported by XXXX XXXX XXXX XXXX. If the information can not be verified or is found to be inaccurate or obsolete, please remove it from my credit report. 

Confirmation of Compliance : Provide written confirmation that XXXX XXXX XXXX XXXX has complied with all FCRA requirements, including my rights to privacy, the accurate reporting of information, and the appropriate handling of my account information.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

A fraudulent charge of {$400.00} was posted to my credit card account on XX/XX/year> for a travel purchase neither myself nor my authorized cardholders madeXXXX XXXX I informed the credit card company immediately and opened a dispute for the transaction, and they issued a credit for {$400.00} and promptly cancelled the card number that was used for this fraudulent transaction, card ending in XXXXXXXX XXXX On XX/XX/XXXX, the charge of {$400.00} was REBILLED to my credit card account because the merchant provided documentation related to the transaction. XXXX Each page ( Pages 1-7 ) of the documentation provided by the merchant is attached to this complaint.XXXX Additionally, my credit card company included a letter explaining the merchant documentation as the reason they have closed the dispute and rebilled my account.<br> I have signed the statement on the letter confirming and attesting that this transaction was not made or authorized by me or my authorized cardholders and faxed the signed copy back to my credit card companyXXXX Furthermore, on page 2 of the merchant documentation, the email address " XXXX '' is not my email and the billing address is not provided and only a 5-digit zipcode is providedXXXX  The customer names provided on the reservation ( page 6 ) of the merchant documentation is not my name or any person ( s ) I know.<br> Finally, the contact info under my name on page XXXX is not my phone number or my email.XXXXI have NEVER conducted business with XXXX XXXX XXXX at XXXX XXXX XXXX All of this is supporting evidence that my credit card account was used fraudulently.<br> I believe that the merchant 's only recourse is to contact XXXX and ultimately, FareHarbor.com is responsible for allowing the fraudulent online booking to go through.
Consumer complaint received 2024-07-18
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account had not been late on payments. The account on my report : [ EQUIFAX ] XXXX  XXXX XXXX Account number XXXX LATE PAYMENT XX/XX/year> Date opened XX/XX/year> [ XXXX ] XXXX XXXX XXXX LATE PAYMENT XX/XX/year> XXXX Date opened XX/XX/year> [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account number XXXX Date opened XX/XX/year> Is showing the date of late payment as XX/XX/year> I'm now requesting you investigate and provide verifiable proof, with records, showing that I had a late payment. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt action.
Consumer complaint received 2015-08-12
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with US DEPARTMENT OF EDU 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. 

US DEPARTMENT OF EDU 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 2024-07-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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)

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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 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 2024-07-12
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. (FL)

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.