davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (VA)

Credit acceptance XXXX Equifax and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that credit acceptance XXXX Equifax XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this att er nd receive inform related ereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On  XXXX / XXXX / XXXX  we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new   XXXX   home in  XXXX , so obviously we could not have negotiated a mortgage that existed in  XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a  30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and  yet our taxes are rediculously high.
Consumer complaint received 2023-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I am on a income based repayment plan. I started with XXXX  and was transferred to MOHELA XXXX XXXX  XXXX. When we were in COVID forbearance and my loans were still with XXXX, I was emailed and alerted by XXXX  that I was due for my recertification of my income based repayment plan. I was not aware that no income recertification was required during the COVID forbearance. I did my due diligence and recertified online on XX/XX/XXXX. This resulted in a higher payment compared to the previous year due to my higher income. 

I believe I should not have to pay a higher amount due to my servicer ( XXXX ) providing misguidance and false information. It is unfair for me to be punished for trying to do the right thing and I should be entitled to the same benefits afforded to everyone else as no one else has been required to recertify their income during the COVID forbearance period.

I have tried contacting MOHELA and have explained the situation above but they state they are unable to retract my income recertification from XX/XX/XXXX.
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled up my credit report and notice that XXXX XXXX has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports. XXXX XXXX should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another account via direct deposit. I didn't set up direct deposit, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the money during the fraud investigation. The frauf investigation was denied three times with only a letter in the mail with the fraud preparator 's email address. I've yet to get an explanation for the criminal and fraudulent transfer.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (SC)

To Whom It May Concern, I am writing to formally complain about the failure of Experian to properly investigate my recent requests to correct issues on my credit report. Despite submitting both factual disputes and Metro 2 compliance disputes regarding inaccurate reporting, I have only received generic letters from your agency stating that the information has been verified as accurate. This response is inadequate and does not address the specific inaccuracies I have identified.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 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 1 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 ( it ) the information is, in fact, inaccurate.

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

Someone needs to hold them accountable for this.
Consumer complaint received 2023-08-28
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Ive had this account in charge off status for over 7 years and XXXX removed it with no problem but Equifax and XXXX wont remove it. It seems when they get in contact with XXXX XXXX XXXX XXXX they keep telling them this is accurate information, but its been over 7 years. If XXXX can remove it willingly, I dont see the hold up. Originally Equifax removed it and then it was added right back, which doesnt make sense!
Consumer complaint received 2024-05-28
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 have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-28
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. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC. (NE)

On XX/XX/year> I fell victim to a common fraud scam. I am not raising a complaint on me falling victim to this scam. I'm filing this complaint as First Interstate Bank performed bad faith on their service to me and failed common XXXX  and XXXX policies and procedures. 

Identity theft and social engineering led to the funds in the accounts being available in my primary checking account. I never created an online banking account. The online banking account was manipulated thru information gathering during the scam. I and the other accounts impacted with this were never authorized on the transfers between accounts. No notice was ever given to me or the other members on the accounts of the money transfers occurring. 

The Bank failed numerous XXXX and XXXX policies and regulations by allowing me to withdraw over {$9000.00} twice from two different branches within thirty minutes on XX/XX/year>. No ID was ever was ever requested of me and no reason for the withdrawals were requested as well from the tellers servicing me. These are core and critical points of XXXX and XXXX requirements. 

Again on Monday XX/XX/XXXX, I attempted to withdraw {$4400.00} and was at first denied due to not enough funds in the account. Less than fifteen minutes later, after discussing with the person coordinating the scam activities ( I still had no idea I was a part of a scam ) they transferred the funds into the account, I walked back into the branch and they processed the transaction once again with no ID and no request for reasoning of the withdrawal. 

How was over {$25000.00} moved from accounts and withdrawn by myself without ID or questioned for reasoning??? Please review your security videos and you will see these statements are accurate. 

I'm a XXXX XXXX XXXX victim of elderly scamming and the Bank failed at every opportunity to raise awareness to myself during my three visits. No teller asked for ID or a reason for the withdrawal. The Bank operated in extremely bad faith. I believe a serious investigation should be performed if the branch tellers servicing me those days are possibly involved with the scam. At minimum the Bank is negligent of following XXXX and XXXX policies and procedures. 

I am in the process of finding legal representation to bring a litigation suit against First Interstate Bank for their bad faith operation and failing to follow XXXX  and XXXX policies and procedures. The example of this failure by the Bank is unforgiveable. We are also communicating to our local community on how the Bank fails to protect their elder customers.
Consumer complaint received 2024-09-05
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. (CA)

On XX/XX/XXXX Equifax placed a XXXX XXXX unauthorized, inaccurate, hard inquiry on my Equifax credit report. This inaccurate, unauthorized hard inquiry has already been marked as fraudulent by XXXX XXXX. On XX/XX/XXXX I spoke to ( XXXX # XXXX ) & ( XXXX XXXX Account representative. ) XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-05-28
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. (LA)

In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

List of accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts Equifax information services llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (NC)

I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX  IS THE ACCOUNT I AM REFERENCING