davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have XXXX accounts with XXXX XXXX. Account # XXXX- the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with XXXX  with paying them {$700.00} " XXXX. Account # XXXX the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with XXXX  with paying them {$700.00} "
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

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 2024-07-27
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: EQUIFAX, INC. (TN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, ME XXXX ; XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-22
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper prevoiusly known as Nationstar has erroneously sent forclosure documentation to my property during the modication process of my loan in which payment can not be made. I was accepted to do a forbearance for one year after my active duty orders were cancelled due to covid. I still paid as much of the mortgage per month. I then submitted for a modification to put the owed balance into new monthly payments. This process began in XX/XX/XXXX. During the modification process, I have uploaded more than 50 documents per their request including bank statements, LES, GI XX/XX/XXXX, renters payments, lease agreements. I have been through underwriting six times but fail to complete due to expired documents. They fail to review the documents in time so they expire in which I reupload. They then asked for the last 30 days pay stubs which an LES is ONLY RELEASED ONE TIME A MONTH if you are in the XXXX XXXX as a XXXX. I have uploaded each pay stub and bank account statement since XXXX of XXXX. They then state they need the most recent which does not post in the time they review the documents which then expires by the time they review the document. I have received two erroneously attempted forclosure notices during the modication process. I have spoken to 15 representatives, including a senior manager who had worked on this for six months with no resolution. I have never defaulted in providing any documentation or written notices. I am a XXXX XXXX XXXX at a school of XXXXe in which I do not work. I am in the XXXX XXXX. They want to see income but I do NOT have taxable income outside of my drill pay as I am on XXXX and using XXXX XXXX. I can not pay during modification because the account is closed during the application process ; thus, them stating I am default. I have spend XXXX man hours on the phone, uploading documents, uploading tax information so I can pay my mortgage. I just want to PAY the mortgage. I have attempted to call, submitt written complaint and pay all of which has been denied. They state I have to pay the full balance but that is the reason we are in modication, so that they balance is split into new monthly payments. I wouldn't have submitted for modification if their staff couldn't complete the process. I have been in application and underwriting for six months which is affecting my credit. I believe this in an attempt to taken a XXXX XXXXXXXX loan property from a XXXX veteran that sits in a prime location in North Carolina. I only want to pay my mortgage but I can not as the account isn't open for partial payment during modification. I finally received a notice that I should speak to an attorney if I am represented by one at the exact time receiving documents that I have completed the documentation process for modification. How is it possible to receive a notice for debt while refinancing in modification while being protecting during the process, while the documents have expired, while stating I am complete?
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-08-25
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. (CA)

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 2024-06-16
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> 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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Flagstar Bank regarding their irresponsible handling of my escrow mortgage account. Specifically, I would like to bring to your attention the bank 's poor management of funds and the unfair financial burden they have placed on me. 

On XX/XX/2023, Flagstar Bank dispersed funds for taxes in the total amount of {$3300.00} from my escrow account. However, they failed to properly plan for the future, leaving my escrow account completely empty after the disbursement. Then, on XX/XX/2023, the bank charged me {$2500.00} for an escrow analysis, despite knowing my account was empty. To make matters worse, Flagstar Bank is now seeking reimbursement for this fee by increasing my mortgage payment by {$200.00}, which is an unfair financial burden for me. 

I have already spoken to several supervisors at Flagstar Bank, but none of them were willing to help resolve this issue. The bank 's actions have left me frustrated and financially vulnerable, and I believe their behavior is unacceptable. 

While I understand that my homeowner 's insurance increased from {$750.00} to {$870.00}, I believe that the increase of {$22.00} per month in my escrow payment is reasonable and logical, as it is a result of the increased property tax rates in my area. However, I do not believe that I should be responsible for reimbursing Flagstar Bank for its poor planning and the unnecessary escrow analysis fee. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-01
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-01
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-01
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Credit Corporation (WA)

Merchants Credit Association has not properly informed me of debt owed, documentation of debt, or right to dispute debt. I received phone calls from Merchants Credit Association beginning on XX/XX/2023. I did not receive any voicemails, nor did I receive any written or email correspondence about debt owed. After several missed calls over several days, I gave Merchants Credit Association a call back on XX/XX/2023 and requested that they send me documentation in writing to my current address. I have not yet received this documentation. They tried to pressure me on the recorded phone line to say how I was going to pay the debt without providing me any information on the debt. 

As it turns out, I need to dispute the debt because I do not owe the debt. I was never informed of the amount owed that XXXX XXXX has claimed that I owed them and I was not given proper notice via any form of correspondence other than my student email address, which I did not use at the time as I was not taking courses there. I have submitted a petition through XXXX XXXX to have the erroneous charges dismissed.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/scrub> 2024, I received XXXX ( XXXX ) separate letters from XXXX XXXX indicating my applications for credit cards were denied. However, I never applied for a credit card. I called the company on the phone number on their website to report the fraud. The representative told me they would investigate and get back to me in 60 days. The applications were for XXXX Destiny Mastercard and XXXX Milestone Mastercards.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, Equifax, XXXX and XXXX. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.
Consumer complaint received 2024-06-01
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: Affirm Holdings, Inc (TX)

AFFIRM INC XXXX Balance : - {$2300.00} AFFIRM INC XXXX Balance : - {$1100.00} AFFIRM INC XXXX Balance : - {$230.00} AFFIRM INC XXXX Balance : - {$100.00} AFFIRM INC XXXX Balance : - {$590.00} AFFIRM INC XXXX Balance : - {$570.00} I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : * Application * account agreeement and annual disclosures * billing statements from open date to current * copy of hardship or workout plan agreement * Gramm Leach Bailey Disclosures * copy of 1099-C
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I booked a reservation to stay one night in the hotel XXXX XXXX XXXX between XXXX to XXXX. I did my checking with my friend XXXX XXXX that booked XXXX nights reservation. The hotel attendant mixed or room and I stayed in her room so on XXXX I called the receptionist and I asked to do my check out, I was told that I just need to leave the key inside the room and was all set. Thats what I did. After couple days I saw XXXX $ extra charge in my account. When I contacted the hotel they told me that I stayed 1 more night but I did not. Later I understood that they charged 1 more night because my friend was i my room and I was in her room. 
Now after open a cdpb report they came and informed that the hotel discovered that I had a pet on my room.. I dont have any kind of pet! It was me and my wife only, they are charging me for the wrong room! 
I already explained XXXX times to the hotel and the credit card. I was in the room XXXX not XXXX! 
They gave the wrong key.. XXXX was a friend reservation and yes she have a dog not me! 
Also the email explaining that never came to me.. I have to be asking on the chat XXXX times to be able to understand something.. very bad experience!!!
Consumer complaint received 2024-01-29
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.