davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (NY)

Wrongful Foreclosure. 
Problem began in XXXX when we did a same-company refinance of the mortgage on our primary, single family residence in XXXX XXXX XXXX NY with XXXX XXXX XXXX XXXX THEY MISREPRESENTED THE REFINANCE LOAN TO US. Because of lower interest rates at the time, we wanted to take money out of our home to pay-off higher interest credit cards, while keeping our monthly mortgage payment the exact same. XXXX agent said no problem. So, we refinanced, only later finding out that, to keep the monthly mortgage payment the same, they ( XXXX ) were no longer taking out escrow. Hence, we were shocked when we received a real estate tax bill from the XXXX XXXX XXXX requesting payment. Penalties then began to accrue as we didnt have the resources to pay the taxes. Upon contacting XXXX, they subsequently paid the tax bill, reimbursed us the penalties levied by the town and re-wrote the mortgage, of which the monthly payment was now unaffordable. We tried to make the payments, but by XXXX we fell over two months behind. By then, because of the mortgage crisis and banking debacle, XXXX was bought out by XXXX  XXXX XXXX ( XXXX ). So, in XXXX when we discovered we were eligible for the Making Home Affordable program we applied. In a subsequent preliminary letter, XXXX informed us of our approval for the program, but never mailed us confirmation. Repeated inquiries were met with, were still processing the paperwork. Only then later to be told, Oops! We ( XXXX  ) made a mistake. You were NOT approved. Over the next two years we went back and forth with XXXX, even requesting help from the XXXX Attorney Generals office. But all fell on deaf ears. Each time we contacted XXXX, it was a different story, and the left hand didnt know what the right hand was doing. Over the ensuing years, our mortgage was sold several times first to XXXX XXXX  XXXX, then to XXXX XXXX and then finally to XXXX XXXX XXXX all the while being administered by Specialized Loan Servicing ( SLS ). During this time, my wife and I continued to try and pay the same trial monthly payment as offered by Bank XXXX XXXX in XXXX $ XXXX to SLS. Sometimes the checks were cashed by SLS, other times they were returned, uncashed. And now, as of XXXX XXXX, we have been served with papers for FORECLOSURE on our home. We know we can not live in our home for free, and want to resume payments for the property as we can, so we are exploring our options, now that my wife is almost XXXX and I, XXXX. But I wanted to file this complaint as a testament to the FRAUDULENT BANKING PRACTICES perpetrated by both XXXXXXXX XXXX XXXX and XXXX  XXXX XXXX, that have unfortunately gotten me and my wife into this unfortunate, out-of-control and very uncomfortable situation. 
Please let me know if you require any additional documentation to substantiate my claims. 
Thank you.
Consumer complaint received 2024-05-03
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. (CA)

Requested for verification and validation into account listed under XXXX XXXX XXXX on my credit report. The credit bureaus never provided a thorough investigation into this specific account and continued to just verify it as " accurate '' without any legal documentation. XXXX XXXX XXXX also could not provide any validation of this alleged debt. The balance on this account is inaccurately reporting across each credit bureau which is in violation of the Fair Credit Reporting Act specifically 1681i as this is inaccurate and false and misleading representations. I have multiple copies of dispute letter requests to each of the credit bureaus which requested investigation into this account. The FCRA requires a 30 day investigation and the removal of items when they can not be verified or are inaccurate. 

XXXX XXXX has removed this inaccurate account and it no longer reflects under my credit report with them.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I received a class action check from CFPB in the amount of {$100.00}. My financial institution processed a charge back for the payment which has caused tremendous distress and loss of funds. 

I need to reach a live agent to help solve this problem ASAP
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 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 has violated my rights. Or a list of inquiries : 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 2024-05-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY CREDENCE RESOURCE MANAGE. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-05-02
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)

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX late payment XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-05-02
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 just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Equifax must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Consumer complaint received 2023-05-25
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)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2024-05-01
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. (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.

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 2024-05-27
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: Bread Financial Holdings, Inc. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-01
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)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity.
Consumer complaint received 2024-05-01
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. (CA)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-01
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. (GA)

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 informationisinaccurate.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 Re : Complaint Against Citibank Costco Dear XXXX, I am writing to file a formal complaint against Citibank Costco due to what I believe is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The FDCPA, enforced by your bureau, is designed to protect consumers like myself from abusive, deceptive, and unfair debt collection practices. In violation of these protections, Citibank Costco has been subjecting me to harassment through their persistent, and I believe excessive, phone calls. 
For the past four months, I have been receiving approximately four calls per day, seven days a week, totaling over 330 instances of contact. This number significantly exceeds the suggested '7x7 rule ', implying a limit of seven calls within a seven-day span.

This excessive contact has occurred without my written consent, constituting a further breach of the FDCPA, which prohibits such communication without explicit permission from the consumer. 
As a result of these violations, I am seeking damages of {$330000.00} This amount has been calculated based on the understanding that creditors can be held liable for up to {$1000.00} per violation. These repeated intrusions have caused considerable emotional distress and disruption in my daily life. 
I request that the CFPB conduct a thorough investigation into these practices. I am prepared to provide further evidence and documentation upon your request to substantiate my claim. 
Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your assistance in resolving this issue. 

Yours sincerely, XXXX XXXX
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: RFNA, LP (GA)

XXXX XXXX XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXX Account : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance Republic financial XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX
Consumer complaint received 2024-05-01
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-01
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. (LA)

I have written multiple times to Equifax to remove a medical account " Ref # XXXX {$800.00} balance unpaid medical account '' - listed on my report and it is not my account. Also I have never signed any HIPAA form authorizing the release of any medical info to anyone. 

They are violating my personal privacy and this has to be removed.
Consumer complaint received 2024-05-01
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. (MD)

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

r 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 informationisinaccurate.