davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mortgage Research Center, LLC (WA)

Hi, my name is XXXX XXXX, and I have been working with Veteran United for about four months to secure a loan for a new home due to a job change in the Pacific Northwest. They help me get my scores up to apply and get approved. However, the budget they gave me was so low that I could not find anything in the area for me and my family except for homes in less popular sites. I asked them about this, and they told me that this is what my DTI ( debt to income allows, which didn't sound right. They approved me for XXXX when I asked for XXXX. About a week later, I went to another mortgage company and was approved for XXXX, so why would they lowball me like that on the budget? I can only think of a few reasons, and one is because they wanted me to target a specific neighborhood or because of my race.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 2024-09-09
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. (DC)

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. 

Accounts names : 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 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. and according to the Fair Credit reporting Act whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) The consumer Reporting Agency treatment of inaccurate or unverifiable information is to Delete the account from the consumer report in which it relates.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall -- 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 delete from the file of the consumer. 

Also, according to 15 USC 1681s 2 - The consumer reporting agency shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO XXXX. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-04-15
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)

Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

Help me please CFPB!!! 

This is my formal complaint against Goldman Sachs Bank for application denial, misappropriation of collateral, and breach of contract. 

I submitted an application for Federal Reserve XXXX in XXXX of this year. Despite providing the necessary security collateral as well as a tender of payment, my application was unjustly denied by the bank. 

According to Section XXXX of the Federal Reserve XXXX, only the Federal Reserve XXXX if Directors has the authority to approve or deny applications for Federal Reserve notes, ensuring that they are backed by adequate collateral. Goldman Sachs Bank 's actions in denying my application and retaining my collateral contravene this provision, resulting in financial loss and a breach of trust. When the were contacted and a request was made to rescind my application, they also denied the request. 

The Federal Reserve XXXX was designed to furnish an elastic currency to consumers and establish effective supervision of banking practices by member banks. XXXX XXXX 's conduct undermines these principles, highlighting a failure to adhere to their fiduciary obligations. 

I request the CFPB to investigate this matter thoroughly and ensure that Goldman Sachs Bank is held accountable for their actions. It is imperative that consumers like myself are protected from such unfair practices and I am quite positive they have been engaging with these illicit practices globally across their business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-10-27
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. (IL)

I was stunned to find inaccurate accounts on my credit report today, completely out of nowhere. I check my report regularly, and I never expected to see discrepancies like this appear suddenly. Even after refreshing my browser, hoping it was just a glitch, the wrong accounts were still there. I'm requesting a thorough review of the documents Ive provided so that I can stop worrying about such errors in the future.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

XX/XX/year> To, Citibank N.A., XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Fax No. : ( XXXX ) XXXX XXXX Ref. : Claim Number : XXXX Related to Imposter Scam Sub. : Submission of additional documents for ongoing Claim. 

Dear Sir, I am writing to provide additional documentation related to my above-mentioned ongoing claim with your bank.

I have reported the scam ( s ) to two relevant authorities : the Federal Trade Commission and XXXX XXXX XXXX. This step was taken to ensure that the situation is addressed from all angles. I am enclosing the said report communication to support my claim, : 1. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$250.00} & US {$250.00} reported to XXXX XXXX XXXX. 
2. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$490.00} & US {$1.00}, reported to XXXX XXXX XXXX. 
3. The acknowledgement of Federal Trade Commission against the fraud of US {$250.00} & US {$250.00}, reported to Federal Trade Commission, having Report number : XXXX. 
4. The acknowledgement of Federal Trade Commission against the fraud of US {$490.00} & US {$1.00}, reported to Federal Trade Commission, having Report number : XXXX I believe the enclosed documents will further assist in the review and resolution of my claim. Please let me know if you require any further information or additional documentation.

Thank you for your attention to this matter.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

There is a collection account reporting to my credit that I do not recognize. I have tried resolving and disputing this with the collection agency several times. I requested information from them that they did not provide, I asked them to validate this account and now they have not responded to my request which is against the FCRA. Since they can not validate they need to remove this account from my report.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX I sent a complaint ( # XXXX ) to the CFPB because I could not close my TD Bank credit card and, subsequently, fraudulent charges appeared. On XX/XX/XXXX, TC Bank sent a letter ( attached ) indicating that my account had been blocked and that I would receive a credit for the fraudulent charges. This letter referenced my inability to close my account, and by mentioning the account was blocked, lead me to believe that no further charges could occur on this account. On XX/XX/XXXX, I received an email from TD Bank indicating that a new charge appeared on the account that I requested be closed. I never approved the opening of a new account and very clearly indicated that I wanted my account closed. Not only do I believe that this new charge is fraudulent, but I believe that opening this account was fraudulent since it was clearly against my previously stated wishes. On XX/XX/XXXX at XXXX CT, I called TD Bank to attempt to resolve this issue, but the customer service representative I was speaking with hung up on me and no one called me back. I want TD Bank to permanently close any and all accounts associated with me and remove any associated charges.
Consumer complaint received 2024-09-09
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. (FL)

I recently reviewed my consumer 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 has not been late on payments and Ive attached a copy of my report to this complaint on the following date ( XXXX XX/XX/year> ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand this payment be updated to to paid on time immediately. Thank you
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

I requested information of validation and balance Western funding Inc. opening date XXXX  XX/XX/year> Account number XXXX Western Funding inc XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-09
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX UNAUTHORIZED INQUIRIES : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am really upset by how my last complaint has turned out and I wish there was a way to describe the immense stress I am getting from these accounts that have been reporting inaccurately on my file- but there is none. It's getting frustrating and I really need to get a new loan but this account is stopping me from doing so.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management currently lists three accounts on my credit report, all related to credit cards from XXXX XXXX, with the following details : Account 1 : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 2 : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 3 : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by Midland. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied.

I am disputing this information to verify the amounts they are attempting to collect from me.
Consumer complaint received 2024-09-09
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX  -Balance {$20000.00} XXXX XXXX XXXX XXXX  -Balance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-27
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. (NC)

See the attached FTC Report concerning the unauthorized inquiries as listed : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX