davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers.

When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification.

They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day. 
XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed. 
XXXX another letter stating missing paystub. 
I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents. 

I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game. 

I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I sent method of verification dispute to Experian and never received a response within the 30 day time frame and nothing was updated and or validated from my credit report below is the following account that was never verified and must be REMOVED : XXXX XXXX US DEPT EDXXXX XXXX US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Collection, XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry, XXXX XXXX- Inquiry, XXXX XXXXXXXX XXXX- Inquiry, XXXX- Inquiry, XXXX XXXX Inquiry, XXXX XXXX XXXX- inquiry, XXXX XXXX XXXX XXXX, XXXX- Inquiry XXXX XXXX XXXX Inquiry, XXXX XXXX XXXX, XXXX XXXX- Inquiry
Consumer complaint received 2024-09-23
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. (IL)

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXX XXXX Credit card XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (TX)

This complaint is an add on to my last complaint since it only allows me to list XXXX companies. 

XXXX XXXX XXXX XXXX XXXX XXXX  There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with XXXX XXXX to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IL)

I have sent the addendum for check stop twice. The first I sent it I was told I had to verify with some third party that failed. I was then told I can just resend the form again without my new address on there. I requested the check be sent to the mailing address the company has on file XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX as I still have family there and I can still get mail there. I have been going back and forth with this company many times regarding my hard earned money that they are NOT paying me interest on. I would love to have money back to me as they are just holding my funds without giving it to me. It has been a hassle and I have tried to take every revenue possible to get my money from this scandalous company. I am putting in another complaint for the same money I have been trying to receive since the summer. Just in case the company states they did not get the fax I sent I am attaching it to this complaint and hopefully I can receive my money at the address stated above. I have been trying to nice and patient as I know it is a big company and they deal with a lot of calls, but when I call I am being told there is no record of my account which is a bit weird to me. The XXXX XXXX I will be taking is seeking a lawyer to retrieve my funds and suing the company for distress and financial abuse.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I tried to withdraw funds from my Marcus by Goldman Sachs account on XX/XX/XXXX to a company of which Im the founder. The transaction was reversed, and since then, Ive been blocked from making any withdrawals from the account. For example, I attempted a transfer to my brokerage account at XXXX on XX/XX/XXXX, but that was also reversed. As a result, my instant deposits have been blocked on XXXX, leaving me with a negative balance due to the margin I was given. 

When I called Marcus, I was repeatedly told that I needed to do a 3-way call with the business bank where I tried to make the transaction, which I refused for security reasons. Today, I was told the same thing, but after an agent named XXXX said, dude, let me be honest with you, I re-dialed. This time, another agent informed me that the block was due to my attempt to withdraw into a business checking account. She lifted the block on my account and advised me to re-attempt wiring the balance to my personal account.
Consumer complaint received 2024-09-25
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've made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These incorrect entries have significantly impacted my life, causing considerable stress and anxiety. It's important to emphasize that I never authorized or consented to having this information associated with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts 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 XXXXXXXX, 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX XXXX XXXX # XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general 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.

List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 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.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
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)

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 15USC 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 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 Has Violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
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. (MD)

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims.Please delete the following accounts and inquries XXXX XXXX  XXXXXX****** XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1300.00} As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-08-28
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-28
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. (AL)

i was looking over my credit report and i noticed unauthorized hard inquires on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 
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 XXXX XXXX, Account name : XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2024-09-25
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. (MD)

I am writing to report that I am a victim of identity fraud. As a result, there are unauthorized inquiries on my credit report that I need to have removed. Additionally, there are incorrect addresses associated with my file. 

I seeking for help I also send letters to three credit bureaus but I never recieve any response from them. Please delete the following incorrect addreses and 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 XXXXXXXX I kindly request your assistance in correcting these issues to restore my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history as follows : Late 30 days in XX/XX/XXXX Late 30 days in XXXX XXXX XXXX XXXXSC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX I believe this is incorrect and should be removed by the provisions of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act of 2020. According to the CARES Act, during the COVID-19 pandemic, creditors were required to report accounts in a manner that did not adversely affect consumers who were granted forbearance or other relief due to pandemic-related hardships. The account in question is reported as late, despite my eligibility for such relief under the CARES Act. Remove these incorrect late 30 and 60 days from my report!