davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I reviewed my credit report and noticed an account for XXXX XXXX that I did not recognize. I contacted XXXX, and they referred me back to XXXX XXXX. After speaking with XXXX XXXX, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Consumer complaint received 2024-06-05
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. (NY)

This is very long story and I'm willing to share, however, after hundreds of efforts, my credit reports are only getting worse. I would like to sue all three credit reporting agencies so maybe they will listen to my complains in the court. Thank you
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (TX)

On XX/XX/XXXX I requested a stop payment to XXXX XXXX  in the amount of XXXX. They had originally taken the amount out of my account on XX/XX/XXXX but the payment was credited back to me automatically. I wanted a stop payment just to be safe. The first agent said it wasnt possible. The next day, I called again to try and get the start payment instated. It was put in, but the charge still went through on XX/XX/XXXX. I immediately called in and filed a dispute, but they disputed the first charge erroneously and didnt tell me until a couple days ago. I had terminated my ach authorization with XXXX but they withdrew the funds anyway. I was told it was standard practice to reissue an account in cases like this but this didnt happen until the XXXX XXXX XXXX. I have now gotten them to dispute the correct charge, but I have been missing XXXX dollars out of my account for almost XXXX XXXX now due to their error. I just want my account credited. Theyre saying Ill have to wait XXXX business days, but the total amount in my account is only XXXX. Theyve reduced my cash by XXXX percent for almost XXXX XXXX due to their error. I just want the funds credited to my account. I was told by multiple agents the funds were being returned and would be in my account soon. They also erroneously put a stop payment on XXXX XXXX and caused me to incur a XXXX dollar ach reversal fee. Ive attached conversations supporting this with discover.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (IL)

I recently filed bankruptcy and lost online access to my mortgage account, which makes it impossible to make online payments to my mortgage company. I was told that due to my bankruptcy, their policy is to shut down online payment access and only allow certain methods of payment, many of which cost upwards of {$15.00} to {$30.00} per payment method ( XXXX XXXX, XXXX 's Check, etc. ). I spoke with a " bankruptcy XXXX '' within my mortgage company on XX/XX/23 and they refused to restore access to my online account and basically demanded that I send in my payments either by XXXX XXXX, a Cashier 's Check, or a personal check. Considering all of the check fraud present in this world, I am not about to mail off a personal check and risk losing my entire life to someone washing a check and changing the amount on the check. This mortgage company is taking away my liberty and choice of making payments the way I want to make them without having to incur additional fees. This is not the first time they have locked me out of my online account. I am stuck with this company until my home is paid off or I win the lottery. Neither of which will happen anytime soon. How can a company take away a payment choice without notification?
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My XXXX XXXX credit card is paid in full. I dont have any balance I cant dispute this online with you guys because you wont let me something is always wrong with your website. Can you please update my balance, so my score will go back up. Thank you.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that property was recently mapped into a Special Flood Hazard Area by FEMA. 
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that I must provide proof of flood insurance within 45 days after the date of the letter. Letter also states that I do not have to establish an escrow account for the flood policy, as I pay my real estate taxes and homeowner 's insurance on my own and not through an escrow account. 
XX/XX/23 - I purchase a policy through XXXX XXXX XXXX XXXX for the maximum allowable limit of {$250000.00}. 
XX/XX/23 - I upload XXXX policy through Flagstar Bank portal. 
XX/XX/23 - Flagstar Bank purchases additional XXXX policy for my property. 
XX/XX/23 - Letter dated XX/XX/23 from Flagstar Bank stating that the flood insurance coverage they ordered on my behalf has been cancelled. 
XX/XX/23 - I contact Flagstar Bank to inquire why they have purchased an additional policy for my property. I am informed that, contrary to their letter dated XX/XX/23, I can not purchase a flood policy on my own and must establish an escrow account and the flood policy must be purchased by them. 
XX/XX/23 - Policy documents for Lender Placed Flood Insurance through XXXX XXXX XXXX XXXX received from Flagstar Bank. The policy was purchased by Flagstar on XX/XX/23 and back-dated to XX/XX/23. At this time I was notified by Flagstar Bank that I did not have 45 days to provide proof of flood insurance coverage, contrary to the information contained in their letter dated XX/XX/23. 
XX/XX/23 - Flagstar escrow account charge {$520.00}, the pro rata amount for coverage from XX/XX/23 to XX/XX/23. The annual cost for this private, lender placed policy is {$3600.00} which represents a premium which is 493 % of the cost of the same coverage policy through the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-05
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)

Equifax continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Equifax. Attached is demand affidavit and agreement.
Consumer complaint received 2024-06-05
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)

In reviewing my credit report i noticed that there was a tradeline for XXXX XXXX  in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2023-09-19
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. (NY)

Is Equifax just crazy or incompetent? I've tried to get assistance and they keep responding saying they've fixed something I'M NOT COMPLAINING ABOUT!! I WILL TRY ONE MORE TIME, then I will sue. This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY 37 times. In XX/XX/2018, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in 7-14 days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Chase doesnt want to approve my claims dispute I submitted for unauthorized transactions. But because it was made from my device they dont care! They dont care that I was scammed! They never asked if I was scammed! All they stated I made those transactions and they cant reopen the claim again. Its a done deal! 
Well I got scammed by a person that was to be an investor! I came across a video from a family member, I had seen they made a video of investment with this person named XXXX XXXX on XXXX. So, I clicked on the video and saw that my niece had invested XXXX $ and got back XXXX and I was like wow, look at all these people investing and tripping their money. So many videos people recommending this person. I inbox them how did whole thing worked and to make sure Im not falling for a scam. She told me dont worry everything is done with XXXX XXXX XXXX XXXX. I was like oh seem legit. So she had this offer if you invested XXXX $ usd ) you would get paid XXXX usd ) & in their system it would triple to like XXXX ) but in order to start I had to sent her money. XXXX XXXX didnt work. Only XXXX thru bank worked, so I sent out XXXX $ to someone named XXXX  and she made and it went thru she stated that was another employee their in the office its was 2 females on the phone. & 1 male I was transferred the whole time. Seemed so legit. Then I was put on hold for like 35 minutes and was sent transaction at 78 % and then I was transferred to a male person. Which I was on the phone for a long time over 3 hours! He then told me I need to pay XXXX was the final fee and it was for all clients and that it was an IRS FEE & the other XXXX $ was a government Fee Mandatory for all clients! Then I was like well the banks are closed I cant right now, so I made XXXX payments cause they stated i can do that. At the end they wanted to scam me with more money to cancel! Not only was scammed but 2 other family members did as well! I was the XXXX that investment more! Cause I was stupidest one from all!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-03-25
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: CONTOUR MORTGAGE CORPORATION (OH)

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union XXXX XXXX CONTOUR MORT Mortgage Companies - Credit Union XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Loans XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXXCONTOUR MORT Mortgage Companies - Finance XXXX XXXX
Consumer complaint received 2024-03-25
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. (DC)

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

XXXX XXXX Account # XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.