davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX XXXX It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX - XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-05-18
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. (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. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-13
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. (NV)

Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the company.. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX at XXXX XXXX I received 2 texts from Capital One, one asking if I just made a {$600.00} charge at XXXX followed by a 2nd text stating the charge was declined as there was not enough credit. I was home at the time so responded 'No ' as I did not make the charge. Additionally, knowing {$600.00} would not take me over my credit limit I immediately logged into my account and there were 3 additional pending charges from the day that I did not make : {$1400.00} to XXXX, {$450.00} to XXXX, and {$210.00} to XXXX XXXX XXXX XXXX. 
Immediately called Capital One to report the charges as fraud. A credit was issued for all 3 transactions on XX/XX/XXXX. On XX/XX/XXXX the credits for {$450.00} and {$210.00} where then charged back to my account. When I called Capital One to question this, they indicated that these transactions were reportedly made with a chip, and those could not be tampered with ( not true at all! ) and as such they could not 100 % be sure it was fraud, although they are acknowledging the XXXX charge as fraud from the same day as it was done online. The fact there was also a 4th large charge that was declined the same day clearly indicates someone making purchases who was not familiar with the account. 

I am being held responsible for over {$700.00} in fraudulent charges and they are refusing to help me any further.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hello My name is XXXX XXXX and I had applied for a XXXX XXXX  Checking Package back in XX/XX/2022 with U.S. Bank. The terms of the offer were that I to receive a {$400.00} bonus once I completed qualifying activities. My application was successfully processed and approved, and I completed all qualifying activities. I had even reached out directly to US bank and received a confirmation from a U.S. Bank employee/representative that I had fulfilled my requirements and would receive my bonus shortly. 

Months later after not receiving my bonus I reached out again. The rep then informed me that they claimed that the code that I used during my application had expired and did not work - " XXXX ''. I'm not even sure if that was the code that I used as it was auto generated through a promotional link that US bank provided me, but this was the first time I had heard of this error or difficulty, being almost half a year from my initial application, leading to great frustration. 

By withholding this information from me, U.S. bank is being intentionally misleading with their advertisements and offer terms in their promotions. Their reps had not informed me of this until after more than 6 months since my application and I completed their promotional terms. After much back and forth, I got another U.S. bank rep to call me and ask if I had any other valid promo codes. I provided her with " XXXX '' which would have been valid during the time and I have since not heard back from U.S. Bank. 

It has been almost 9 months since my application and I am extremely frustrated from what I interpret to be intentionally deceptive and misleading practices from U.S. Bank.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERICAN PACIFIC MORTGAGE (TX)

I was in the process of buying a home since XX/XX/XXXX. XXXX XXXX with American Pacific Mortgage was my lender. Apparently she had made a pre-approved and i had qualify for {$270000.00}. XXXX XXXX I found a perfect house that i loved with everything me and my family were looking for, and the best part was that it was {$230000.00}. So it was perfect. I had ask our realtor to put in the offer. The offer was accepted and we started the process. I paid {$2400.00} for the XXXX money, {$690.00} for a house survey and paid {$300.00} for a house inspection. Everything was going good until XXXX send a email on Friday XXXX XXXX stating that all paperwork was sent to XXXX Mortgage and that she was going to be honest of me being XX/XX/XXXX percent that I would get approved by the bank. 

I didn't understand what had happen from XXXX the XXXX being approved and investing on the new home to the XXXX being at XXXX percent. By this time my family and i had already started packing our belongings. My leaving room was full of boxes with our stuff. On Saturday XXXX the XXXX i received a text message from XXXX Mortgage what i decided to call back and asked if they knew anything about my situation. What XXXX XXXX XXXX I spoke with mention to me that everything that i had explained to him sounded like XXXX had done the pre-approval wrong and now she was having trouble getting me approved. 
Thursday, XXXX the XXXX was the last day to claim our XXXX money back. My wife and I decided to cancel everything since we couldn't get a response about what was going to happen. XXXX wouldn't answer the calls and she will only text back our realtor stating that my XXXX money was protected until Thursday and to give her a little longer. I didn't want to wait longer since i was putting in risk my XXXX money i did not want to loose the money and continue asking for the termination letter. 

On Tuesday XXXX I called XXXX Mortgage again and talked to a broker explain everything and after XXXX hours on the line with him. He explained to me that XXXX had run numbers wrong that me or my wife shouldn't have never been pre-approve that we did not qualify for a loan. She had done wrong the debt to income ratio, and the only option for us to get the house was if someone will co-sign with me. 

I really hope whoever is reading this takes it into consideration. What XXXX XXXX did to my family is not fair at all. She should get audit on her loan applications. I don't understand why would she let her clients invest money to a home that would never be there home. Or even get comfortable to start packing. Now I lost {$690.00} for a home survey and {$300.00} for a house that would never be mine. The most sad part is that i have my family unpacking all the boxes to put everything back. We shouldn't have gone thru all of this.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Transunion has investigated the account XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Transunion has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. The time has now passed and they are not following the laws set forth in the FCRA ACT I have a hard inquiry from Equifax on my credit report. I did not make this request and want it removed immediately. I received this from XXXX XXXX XXXX XXXX Thank you for your interest in a XXXX XXXX XXXX. At this time, we're unable to approve your application. We're unable to approve your application for the following reason ( s ) : Unable to confirm your application request per your credit report victim alert Important information about your credit report Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency ( or agencies ) : Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX equifax.com So my question is why did it go through if I have the victim alert on my report
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX - XXXX
Consumer complaint received 2024-09-11
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. (CO)

I have a charge off for XXXX XXXX XXXX XXXX  this debt does not belong to me and I have been getting emails about this and would like to get this removed so they can stop calling I am really trying to get my credit on a good term and doing everything to keep up good credit
Consumer complaint received 2023-08-18
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. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-04-26
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-11
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-07-23
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. (PR)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?