davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies. 
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We went to Huntington bank to inquire about motorcycle refinance/rates. We spoke with XXXX XXXX. We told him we inquired about a month ago and rates were still too high at XXXX. He said we came at a perfect time because the bank has a refinancing promotion going on with low interest rates. He said the rates were the lowest he had seen. Because rates were low, we decided to proceed. We gave him all the information, He even pulled a picture of the motorcycle up on his screen using vin number. He then showed us the rate and payment and said the underwriter would reach out to us via email. He told us that he would be cc on all emails. XX/XX/year> XXXX XXXX sent an email requesting additional documents ( 10 day payoff that includes year make model and vin, and a per diem interest charges, a copy of the vehicle registration and confirmation of mileage ) XXXX emailed the documents the same day. XX/XX/year> XXXX, emails requesting confirmation that XXXX XXXX  is XXXX XXXX bank. XX/XX/year> @ XXXX XXXX  XXXX, called and said the rate was approved at 5.6 % XXXX a month. XX/XX/year> XXXX XXXX  VM from XXXX stating they made a mistake and the new rate would be higher. XX/XX/year> XXXX emailed stated promotion does not apply. New rate of 10.016. I ask them to honor the 5.6 rate. XX/XX/year> XXXX emails stating loan exception has to go through XXXX. He also ask XXXX to try and get a loan exception. XXXX emails ' no exception will be honored. XXXX emails new rate is XXXX. XX/XX/year>. We went to the bank and spoke with XXXX XXXX, branch manager. She stated she was aware of the situation. She had already spoken with XXXX and her district manager. She stated not even the district manager has the authority to make an exception. She stated an exception would have to go through XXXX and his supervisor. She took their numbers and told us she would contact them and get back to us. XX/XX/year> XXXX left a message stating she put in request to have the inquiry removed from the credit report. I called her because I was confused. We never spoke about this. I again asked her to honor the 5.6 rate. She said they would not be honoring the rate. XX/XX/year>
Consumer complaint received 2024-09-30
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)

This morning, I found unauthorized inquiries on my credit report and I have no idea why. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a glitch, but the inquiries remained. I urgently request that the documents Ive submitted be reviewed carefully so I dont have to worry about this happening again.
Consumer complaint received 2024-10-31
Product: Mortgage — VA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (TX)

Today XX/XX/year>, I called Wells Fargo to find out if my payments to the mortgage as a confirmed successor were being reported to the credit bureaus. There answer was no because the loan is in my late husband 's name. My question is more of, is there anything I can do to have my payments reported to the credit bureaus. Wells Fargo told me the only thing I can do is to assume the loan and place it in my name. To assume the loan means I would have to have a certain income which I don't have. I am a XXXX XXXX XXXX, female living on social security and have been paying this loan for XXXX years and never late. I want to sell my current home and down size. To do that I need a better credit score and this is why I am asking for my payments to be reported. I feel like I am stuck and that is why I am writing to you. Thank you for any guidance in this matter.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Loans account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had a credit card through Comenity for a medical procedure. I paid my account off in full on XX/XX/2019. In XXXX, they charged me {$23.00}. I emailed to simply ask what the charge was. I was told that it was an error and would be refunded to my account in full ( resulting me back to a {$0.00} balance ). This did not happen. I emailed several more times and had to eventually call them in early XX/XX/XXXX and speak to 3 different people, up to a manager. After all this, they explained that the charge actually was not a mistake, it was the interest accrued from the time I was billed in XX/XX/XXXX, until I paid it off later that month. However, the manager said that since I was told it would be refunded, they would honor it. I was very clear with the manager and asked if I would continue to be charged, and she told me no. I would have a {$0.00} balance and there would be no additional charges. By this point, with additional interest and late charges, there was an additional {$27.00}. It was finally refunded on XX/XX/XXXX and I was back to a {$0.00} balance. Then on XX/XX/XXXX, I was charged a {$2.00} " minimum finance charge '' again. I started again emailing them and after several emails back and forth, they keep telling me that since I had a charge on my account XX/XX/XXXX, that there is a minimum finance charge. No matter how many ways I explain to them that the charges were incorrect and refunded, and that I should have had a {$0.00} balance, and for them to read the notes on my file, they continue to charge me.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their failure to remove old, outdated, and incorrect information from my credit report. Despite multiple attempts to rectify the situation, these credit reporting agencies have continuously neglected to update my personal information accurately, causing significant distress and potential harm to my creditworthiness [ 1 ].

The inaccuracies in my credit report include multiple addresses, outdated phone numbers, and incorrect employment details that do not reflect my current situation. This misinformation not only portrays me inaccurately to potential lenders but also creates unnecessary stress and anxiety due to the constant need to address these errors repeatedly [ 1 ].

I have provided these agencies with my correct and up-to-date information, including my current address, employer, and phone number. However, they have failed to make the necessary corrections, despite my clear instructions and demands for immediate action. 

The lack of action on the part of XXXX, Equifax, and XXXX is unacceptable and has the potential to have severe consequences on my financial well-being. I have already expressed my frustrations and concerns to these agencies multiple times, but their continued negligence and incompetence have left me with no choice but to escalate this matter to the highest authority possible. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act. It is crucial that these agencies rectify the errors on my credit report without further delay to prevent any further damage to my creditworthiness and financial stability.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX Court : XXXX XXXX XXXX  I will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 XXXX XXXX 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 informatin requested from the list of acceptable itms 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 2024-08-14
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. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AK)

Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have ONE name. However, XXXX publishes ( XXXX ) XXXX incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. Equifax publishes ( XXXX ) incorrect versions of my name. 
Over the last ( XXXX ) XXXX years, I have had only XXXX addresses. XXXX are current, XXXX is not mailable there are incorrect XXXX with XXXX, XXXX with Equifax, XXXX with XXXX never associated with me. 

For the last ( XXXX ) years, I have had the same and only phone number for both business and personal For the last ( XXXX ) years, I have had XXXX employer. XXXX lists XXXX Employers. Equifax and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than XXXXXXXX XXXX XXXX However, my company does XXXX XXXX XXXX transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond XXXX years old.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

I was contacted by Daniel 's Jewelers to confirm if I had applied for a credit card, which I hadn't. They wanted my birthdate to prove who I was, but I hung up thinking it was a scam. They then texted me and gave me their contact info to let me know someone was trying to open a credit card with them in my name. 

I then looked at my credit report to see if a card was opened with Daniel 's Jewelers, which I did not see. However, I saw a credit card was opened with JC Penney 's, which I never applied for or opened. I contacted the number for JC Penney 's to file a dispute and close the card. 

That same day, I received a JC Penney credit card in the mail and letters from the credit fraud departments of XXXX XXXX, XXXX, and XXXX. 

I received a fraud alert from a credit bureau today that SYNCB/CRATE & BARREL made a credit card inquiry to check my credit file.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I am filing a complaint regarding the improper and potentially fraudulent execution of the Assignment of Deed of Trust and Substitution of Trustee that was recorded in connection with my mortgage loan. 

The Assignment of Deed of Trust, which was recorded on XX/XX/year>, was signed by Assistant Secretary, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

The Substitution of Trustee, which was recorded on XX/XX/year>, was signed by Assistant Vice President, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

Specifically, I have reason to believe that XXXX XXXX who signed the Assignment of Deed of Trust and Substitution of Trustee is not an authorized representative of the beneficiary and lacked proper corporate authority. XXXX XXXX, who falsely represented themselves, as Assistance Vice President for Nations Direct Mortgage LLC., and as Assistant Secretary for Mortgage Electronic Registration Systems , Inc. XXXX is presumably a Manager at XXXXXXXX XXXX XXXX XXXXXXXX XXXX according to their XXXX profile. This misrepresentation of authority calls into question the validity of Assignment of Deed of Trust and Substitution of Trustee and any subsequent foreclosure actions taken based on these documents. The parties involved failed to adhere to legal requirements. 

As a result, the fraudulent signing of these documents has resulted in the subsequent foreclosure actions jeopardizing my property rights and causing me and my family significant distress and legal complications. 

I request that CFPB investigate the legitimacy of the XXXX XXXX Deed of Trust and the Substitution of Trustee and the authority of XXXX XXXX and take appropriate action against all parties involved in the fraudulent signing. 

Attachments : - Copy of Assignment of Deed of Trust - Copy of Substitution of Trustee XXXX XXXX ( XXXX ) XXXX XXXX profile - Nations Direct Mortgage Leadership Team
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I recently reviewed my credit report and found fraudulent accounts listed. Please remove these accounts as they are negatively affecting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX