davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had my federal loan on auto, same bank account for ages. I never made any changes and the company stopped taking the payments out. I NEVER approved of this or changed anything. This needs to get removed off my credit IMMEDIATELY.
Consumer complaint received 2023-05-04
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is reporting inaccurate information on my credit report. I never gave Transunion or anyone authorization to run my credit report. The information theyre reporting is incorrect and invalid.There inquiries are invalidated and inaccurate and needs to be removed from my credit report please. ( XXXX ) XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX please remove immediately thank you.
Consumer complaint received 2023-06-19
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

A balance transfer at 0 % apr, called XXXX in my statements ( {$4200.00} ) expired on XX/XX/XXXX and went to XXXX XXXX. I made a payment of {$4200.00} on XX/XX/XXXX which should have avoided any interest being charged to my account but citi have been charging interest in every statement since then. I have attached statements from XX/XX/XXXX - XX/XX/XXXX. I called citi several times but they did not help. Please review, thank you.
Consumer complaint received 2024-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently reviewed my credit report and noticed unauthorized inquiries and/or fraudulent accounts opened in my name. I'm writing to inform you that, according to the Fair Credit Reporting Act ( FCRA ), these unverified and unauthorized items must be removed from my report. I request that you investigate and correct this information immediately, as the FCRA legally requires the removal of such inaccurate and fraudulent data. Please take prompt action to rectify this situation and protect my credit integrity.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I found a number of incorrect personal information on my credit report and I contacted Equifax in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, Equifax, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, Equifax, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CO)

My wife and I are trying to recast our loan to reduce monthly payments. The recast amount is {$150000.00}. The lender, United Wholesale Mortgage, will not provide details on recasting our loan and we were told at closing that this process would take 10 days. We closed on the home on XX/XX/XXXX. We would like to wire the {$150000.00} to the lender to recast the loan amount and drop our monthly payments.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America placed a credit card account on my credit report and I have no knowledge of this credit. I requested a copy of my identification, and all documents and consents of proof for the credit, receipt I received it and the statements, notices sent to be of the debt. 

I have disputed the information for over several years and not one legal answer of the dispute or details of question for all records related to the information on my credit report.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.
Consumer complaint received 2024-05-01
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX ( Finance ) XXXX  XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
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. (MO)

I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balanced {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2024-08-13
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ) states that a consumer reporting agency can not include in a consumer report : 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 ) is a key provision of the Fair Credit Reporting Act ( FCRA ) that addresses the responsibilities of entities that furnish information to consumer reporting agencies ( like credit bureaus ). 

In essence, it prohibits furnishers from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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. (OH)

The original creditor is reporting a balance due on this account even after selling or charge off the debt. This reporting is inaccurate and misleading, as the debt has been transferred or charged off. There are 4 closed accounts that are showing on my credit report with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 4 closed accounts, that are charge off accounts are showing a balance and a past due balance. 15 U.S.C 1681e ( Accuracy and Completeness ) : The credit reporting agency ( CRA ) must maintain reason procedures to ensure the maximum possible accuracy of the information in my credit report. The reporting of a balance due by ( original creditor name ) on a debt that has been sold is inaccurate and should be removed. 
15 U.S.C. 1681s-2 ( Duties of Furnish of information ) : The original creditor ( Name ), is responsible for providing accurate and complete information to the CRAs. Reporting a balance due on debt that has been charged off or sold violates this requirement.
Consumer complaint received 2024-08-12
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC. (MA)

I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. Thank you for your immediate attention to this urgent matter. I look forward to your swift response. Warm regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

XX/XX/2023 Consumer Financial Protection Bureau To Whom It May Concern : I hope this email finds you well. I am writing to raise my concern regarding the recent experience I had with LoanDepot during my mortgage application process. I believe that the lender 's actions violate several regulations under the Consumer Financial Protection Act ( CFPA ) and other federal and state consumer protection laws.

Specifically, LoanDepot has used an unfounded reason " lack of sufficient fund '' to decline my loan application and failed to provide reasonable explanation and support ( I had provided $ XXXX deposit statement in my bank account for $ XXXX downpayment needed ), even though CFPA entitles applicant 's right to obtain such information from the lender. Meanwhile, LoanDepot requested a future document ( NEXT month mortgage statement ) from me, which did not exist at the time of their request. Despite my efforts to provide alternative documentation, the lender refused to consider my application any further. I believe that this requirement was unreasonable and deceptive, as it created the impression that the document was necessary when it was not.

Furthermore, I have been made aware of a recent statement made by LoanDepot 's lawyer, who asserts that consumer protection laws do not cover investment properties and that the lender can demand any document they choose from loan applicants. I believe that these statements are completely inaccurate, and the lender 's actions are in violation of several regulations and standards. Also, I find the lawyer 's threat to prevent me from continuing with my CFPB complaint is unacceptable.

As a consumer, I have suffered significant financial and emotional harm as a result of LoanDepot 's actions, and I am requesting that the lender abide by regulation rules, correct any mistakes, and compensate me for any losses incurred.

I am respectfully requesting that the CFPB investigate this matter and take appropriate action to hold the lender accountable for their actions. Additionally, I would appreciate any information on my rights and options as a consumer in this situation.

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX