davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, 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. (MO)

After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.XXXX XX/XX/19 2.XXXX XXXX XX/XX/19 3 . XXXX XXXX XX/XX/19 4.  XXXX XXXX XXXX XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-06-14
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)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires resentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific concrete F. C.U. v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( XXXX ), XXXX XXXX XXXX XXXX XXXX ). Fooks v. Norwich Housing Authority 28 Conn. L. Rote. 371, ( XXXX XXXX, XXXX ), and town of Brookfield v. Candle wood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. i ( XXXX ). And Solon v. Godhole, 163 III. App. 3d 845, 114 III. Dec. 890, 516 N. E. 2d 1045 ( 3 Dist. XXXX ). UCC 9-201- Request for accounting. F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-06-14
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. (NY)

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 XXXX party. They in fact did not come from a XXXX 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 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

My Father passed away on XX/XX/XXXX. Since then my siblings  I have filed with XXXX XXXX County as the heirs and owners of his home. We contacted Ditech in XXXX to inform them of our Father 's death and our inheritance of his home. We filed an affidavit of ownership and my siblings   elected me as their representative. I have been asking Ditech for information regarding his mortgage and repayment of it since mid XXXX. In XXXX I started corresponding with Ditech via phone and email so that I would have a paper trail. Ditech refused to acknowledge my authority and also refused to acknowledge us as heirs. We submitted all the documentation that they asked for several times due to them misplacing or losing the documents. My Father 's home needed many repairs and we are still in the process of making them. I have spent thousands of dollars for these repairs and am two weeks from completion. If the repairs would not have been made we would have taken a great loss because his home would not have sold for what he owed. I have an excellent realtor standing by to put the home on the market. She believes it would sell in less than two weeks. Today XX/XX/XXXX I received nine letters addressed to each of my siblings, myself, my Father and his Estate. The attorney did not send Letters to my siblings  at their address instead they were sent to my Father 's address. The attorney has all addresses for my siblings,  therefore have sent the notices to the wrong address. These letters are to inform us of the Auction of my fathers 's home on XX/XX/XXXX. I believe that Ditech has broken the Law by not communicating with me about the assumption of his loan or the amount of his payments or his due balance. They have not responded to almost all emails that I have sent and there has been no follow up or follow through with them. We were prevented counselling due to the fact that Ditech would not acknowledge us as the owners of his home therefore HUD counsellors would not speak to us. We are in dire jeopardy of losing his home due to Ditech not following RESPA Laws and refusing to speak to me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I appreciate your time to REMOVE some of the erroneous credit data in my file that resulted from a mistaken credit reporting but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of erroneous credit report details and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft : XXXX : XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -XXXX  : XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$31000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : XXXX : XXXX  [ XXXX ] XXXX XXXX XXXX  [ XXXX ] Transunion : XXXX  [ XXXX ] I am in disagreement with the account listed below which still appears on my credit report
Consumer complaint received 2024-06-14
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

XXXX I was notified by the City of XXXX that my XXXX tax bill was incorrect due to an error- an incorrect calculation resulting in an overage charge of XXXX dollars. The calculation was XXXX which was actually only to be XXXX and that the corrected information was sent to my mortgage company as well as a refund would be sent by the city of  XXXX. I have never seen the refund reflected in my escrow account, nor did I ever receive an overage check of XXXX or XXXX from Ditech. 

XXXX after noticing my automatic mortgage payment increased by over 200 dollars once again due to an incorrect escrow analysis. I finally took the time to investigate why my escrow is so off. I noticed that on the XX/XX/XXXX escrow analysis that the total taxes they calculated was once again XXXX more than what was actual paid to the XXXX County Treasury. After confirming with XXXX County that my tax bill is XXXX, and that Ditech is charging my escrow XXXX. I called and spoke to XXXX XXXX, who assured me she would open a dispute and have my escrow analyzed and investigated and she would call me back with 48-72 hours. I faxed Ditech 12 pages of tax statements indicating the overage, as well as the letter form the city of XXXX. I did not receive a call back with in the time that was promised. I have tried contacting them at least 3 other times since with not resolution. The Ditech Tax department does indeed state that it should only be XXXX, but nothing is being done about the overage payments credited to my account. 

I contacted my Loan officer, the city of XXXX, and XXXX County to verify that all my accounting information was correct. The recommend me filing a complaint to XXXX. It appears that my escrow is off by more than just XXXX dollars, and that a refund of XXXX was never applied to my account and I have been over assessed by at least XXXX form XXXX and now into XXXX. I am not getting any help from Ditech. Conveniently, after filing a complaint I am told my loan is not been sold to XXXX beginning XX/XX/XXXX. I have left a message with a Ditech supervisor, XXXX XXXX at ext XXXX who is supposed to be calling me back on Monday. However, with Ditech 's history I am doubtful he will return my call. Please Help! Thank you!
Consumer complaint received 2024-06-14
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2018-12-27
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: EQUIFAX, INC. (MD)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Reference to Former Complaint # XXXX ( I was told a new number would be assigned after I submit information online. ) XX/XX/XXXX XXXX XXXX sent a bill pay payment to Capital One for our Cabelas Visa Card for {$3100.00} XX/XX/XXXX Capital One received and cashed the {$3100.00} payment. 
XX/XX/XXXX Both XXXX XXXX and XXXX XXXX ( cardholder ) faxed Capital One a copy of the transaction. 
Capital One is claims I stopped payment on the {$3100.00} payment, despite numerous 3-way conversations with XXXX XXXX, Capital One and XXXX XXXX. During these conversations XXXX XXXX confirmed there was not " stop payment ''. 
Capital One says they will investigate, but they have never attempted to return my phone call. Despite repeated claims the Capital One sent the {$3100.00} back to my XXXX XXXX Account, they have never sent proof of this transaction. 
While the account and fees were credited, I have just been re-billed {$3100.00} and Capital is claiming a payment credit made on the XX/XX/XXXX statement which is enclosed. 
*Please note on my XX/XX/XXXX Cabelas Statement the XX/XX/XXXX " Payment Adjustment '' under transactions. This amount was billed and not credited.
Consumer complaint received 2023-03-26
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. (NV)

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Used XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion Mortgage XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX -Non-specific XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Credit Bureaus XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX Credit Cards XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX Acct # - XXXX NCB Acct XXXX - XXXX XXXX XXXX XXXX  Acct XXXX - XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX  Acct # - XXXX However, they stated everything was complete 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 accounts that aren't 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case