davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-10
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. (TX)

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer report. These inquiries have no connection to me whatsoever, and I am in no way responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent items on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As of XX/XX/2024 Federal Student Aid is reporting an incorrect debt with the XXXX XXXX XXXX XXXX in the amount of {$13000.00}. I have spoken on the phone with both parties multiple times in XX/XX/2024. XXXX is reporting that I owe {$6000.00} and that has not changed in the past 90 days. Loans XXXXXXXX XXXX XXXX  XXXX are closed. I can not get a mortgage because of this error.
Consumer complaint received 2024-07-08
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. (OH)

For the past year I have been going back and forth with XXXX and transunion over the inquiries on my credit report. Unlike XXXX, both XXXX and transunion dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both transunion and XXXX. I was told by XXXX that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by transunion that I sent it to the wrong address and I mailed it again to the address the representative gave me. Til this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, XXXX has addressed and removed all the inaccurate inquiries from my report. I have only XXXX inquiries on XXXX as to having XXXX and XXXX on transunion and XXXX respectively. If XXXX removed theses same inquiries there is no reason the other 2 credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies XXXX, transunion, and XXXX have inquiries on my report that are over 2 years old and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-06-10
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. (MT)

My husband and I have separate XXXX Accounts. I was an authorized user on his account for only one purpose, to pay his bill. When I noticed it was affecting MY credit report, my husband called XXXX to take me off as an authorized user. This happened a couple months ago. Then when I saw they still haven't taken me off as an authorized user, I decided to write you. I've never purchased anything on his XXXX account nor am I co-signor. This account is only HIS. Please find that what I'm saying is true and remove it from my credit report. 

Thank you for your help!
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (MN)

XXXXXXXX XXXX  sent me a debt collection and the company is lying about the account and when I made a payment last. This is a paypal credit account that synconry bank bought after I had a huge issue with paypal and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my paypal account until I get things worked out with paypal. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a female manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (WA)

For over two weeks I have been attempting to file a successor of interest modification for my loan. My ex is off the title, I have been making payments by myself for 5 years, the deed of trust has been fully reconveyed. I submitted divorce decree, property settlement, quit claim deed, record of reconveyance to Newrez. All I want to do is remove my ex 's name from the mortgage. 
XXXX XXXX XXXX, mortgage consultant, informed me that I would have to submit an assumption of the loan. My loan is not assumable. He told me the only way to remove my ex from the mortgage is to refinance. 
XXXX Servicing department told me a successor of interest can only be submitted when a borrower has passed away. 
XXXX XXXX XXXX told me they had to get my file over to assumptions, that an assumption was the only way to do a successor of interest. 
XXXX Supervisors XXXX XXXX don't have last name ) ( servicing ) and XXXX XXXX ( loss mitigation ) communicated that a successor of interest can only be done in cases of someone on the loan passing away. I quoted guideline from CFPB Definitions 1024.31 line 4 that spells out successor of interest may be used in cases of divorce. Both were convinced that I was reading the regulation incorrectly, and that a refinance is the only way to remove my ex from the mortgage because the loan was set up between the loan company and the two of us.

There are at least 2 different occasions I talked to newrez employees who were convinced that a successor of interest is only for cases when a borrower has died, but I didn't log the date and time of those calls.
Consumer complaint received 2024-06-10
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (GA)

I looked at my report on XXXX and started noticing inquiries that were not mines. Ive tried several times reaching out to inform to my fraud alert and fraudulent activitys but no access these accounts ante not mines XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

With XXXX XXXX  a fraudulent check was deposited into my account via mobile deposit which wasnt made by me my login information was compromised my phone which is unlocked with no password was lost and stolen and I had to get a replacement phone and after that happened fraudulent activities has occurred on my account and now XXXX  XXXX has reported that debt as a collection on my report and it dose not belong on there and it wasn't done by me because as I stated I was a victim of identity theft.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.There saying I owe {$430.00} which there's no way I'll owe that if I never withdrawed that out of the account please remove this unlawfully charge off immediately off my credit reports.
Consumer complaint received 2024-06-10
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 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 2023-09-14
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)

In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-10-27
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC. (AR)

On or about XX/XX/XXXX, at XXXX, I received a fake email from a XXXX XXXX XXXX who represented himself as an HR employee of XXXX, a subsidiary of XXXX XXXX XXXX. I was offered a job by XXXX XXXX who sent me some checks in me email and told me to deposit them using my cell phone. He later told me that there was an error with the checks and he resent two more checks. These checks were fraudulent and caused my checking account to be overdrawn over {$2400.00}. I disputed the transactions with Arvest Bank on or about XX/XX/XXXX, due to fraud. They denied due to no error. I reasserted my dispute on XX/XX/XXXX, because I believe the checks were not processed correctly and the bank should have stopped all of them from processing, instead of just the first one. They stopped the first one, but let the second one go through even though they knew it was also fraud. My second reason for reasserting is because the bank has not provided information such as token number or other verification that money actually was released to the intended recipient of the XXXX XXXX or XXXX XXXX account, or if it was just an internal processing error. Under CFPB guidelines banks are liable if consumers are tricked or scammed into giving out their bank information.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I

am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-10
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. (NJ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-09-14
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. (GA)

I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately.

Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The Experian, XXXX, and XXXX Credit Bureaus are required to removed the following mentioned items above.
Consumer complaint received 2024-07-08
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. (NY)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.