davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account 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 2023-03-21
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. (GA)

Please remove this inaccurate information from my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Violation of 15 U.S.C section 602 A rights to privacy and Section 604 A that credit agency can not furnish information without my written consent. Inaccurate information from credit acceptance that the credit bureaus stated was properly investigated but all information with all 3 is incorrect. This includes dates, account responsibilities and address or creditor that is reporting information.
Consumer complaint received 2023-12-29
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NV)

My XXXX XXXX home loan was transitioned to Freedom Mortgage in XXXX XXXX Freedom Mortgage reported delinquent mortgage payments from XXXX XXXX XXXX due to a payment being rejected from XXXX XXXX in XXXX XXXX When I spoke to XXXX XXXX, they confirmed that there were no payments rejected. There were no communications from either servicer stating that the account was ever past due between XXXX XXXX XXXX XXXX There were no phone calls ever made to notify that the account was behind in payments. This is a violation of FCRA and UDAAP Regulation as I the consumer was never informed of any arrears verbally or in writing to be allowed the opportunity to be resolved prior to being reported to the credit reporting agencies between XXXX XXXX XX/XX/XXXX. This has caused me detriment and is preventing me from being financed for a new home loan.
Consumer complaint received 2024-02-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

XXXXXXXX XXXX XXXX XXXX states they retain ownership of Account Name # XXXX If this is factual who is Fair Collections & Outsourcing , Inc . I have no contract with this institution and FCO is illegally reporting private information on my consumer report without my permission or consent. Under 15 USC 6801 Protection of nonpublic personal information by way of 6801 ( a ) Privacy Obligation Policy. XXXX XXXX XXXX XXXXXXXX has fail to protect my privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Under 15 USC 6802 obligations with respect to disclosures of personal information according to 6802 ( a ) Notice Requirements except as otherwise provided in this subchapter, a finical institution ( Greens at Nutters Chapel ) may not directly or through any affiliate, disclose to a nonaffiliated third party ( FCO ) any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
Disclosure of Institution Privacy Policy. 
I was never given the option to opt out by XXXX XXXX XXXX XXXX who disclose my nonpublic personal information to ( FCO ). According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information soley as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( XXXX XXXX XXXX XXXX ) I have asked that ( FCO ) cease and desist reporting my information unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX , in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I received a copy of my credit report, and I noticed numerous accounts that are being reported with inaccurate information that is damaging my credibility. The accounts are as follows : XXXX Account # XXXX this account was opened XX/XX/year> and is reported as 30 days late, but showing on time payment history. 
XXXXXXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX Account # : XXXX this XXXX Date Opened, No.of months ( terms ), date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX Account # XXXX the account status is PAID, and should not be reporting as a collection XXXX. XXXX XXXX XXXX Account # XXXX this accounts No.of months ( terms ), date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this accounts Date Opened, last reported, and l date last active,, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX this XXXX XXXX Opened, high credit limit, last reported, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account XXXX XXXX XXXX this accounts Date Opened, and l date last active, are reported with different information to all XXXX credit reporting companies and has missing information XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date XXXX active, XXXX reported and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all XXXX credit reporting companies.
Consumer complaint received 2024-05-30
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)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX Account number XXXX
Consumer complaint received 2024-05-13
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
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. (GA)

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 2023-12-07
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 wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite my XXXX to have these accounts reinvestigated by the Credit Bureau ( XXXX ) XXXX their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information. 

Additionally, XXXX practices appear non-compliant with the XXXX XXXX credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all XXXX credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

As a result of my payment in full and subsequent credit refunds, I have a credit balance of {$9000.00}. I requested a refund be issued and I am getting the runaround. 
All Citibank will say is the refund has to be approved and that takes several days. Will not provide me the number of days just several. Then they state, " IF approved it will take another XXXX - XXXX business days to get my money returned. 
I believe this is just a stall tactic on their part to keep my money for as long as they can. 
Here are the credit refund amounts and dates due to airline cancelling my flights : XX/XX/2024 - {$960.00} XX/XX/2024 - {$960.00} XX/XX/2024 - {$3800.00} XX/XX/2024 - {$3800.00} I purchased these tickets in XX/XX/2024.
Consumer complaint received 2024-05-30
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)

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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (WA)

RE : Loan Number XXXX I contacted my mortgage lender, Mr Cooper, in the month of XXXX requesting that they remove the 1 time 30 day mortgage late listed on my credit report for XX/XX/2023. 

I had an automatic payment set up with Mr. Cooper for 2 different mortgages. Mr Cooper separated the mortgages and transferred the above referenced mortage for servicing with another Company ( XXXX XXXX XXXX ), and then Mr. Cooper cancelled my automatic payment. 

My payment apparently was to start at the new Company in XX/XX/2023. 



Here is my reason for this complaint : Since my new payment was supposed to start XX/XX/2023 with another company, XXXXXXXX XXXX, Mr Cooper or XXXX should not have reported the 30 day late payment. The 60 day grace period allowed by LAW after any mortgage transfer was not applied to my mortgage. I reached out to Mr. cooper and XXXX and they failed to rectify this matter caused by no fault on my part. 



Please contact Mr Cooper and request them to remove the 1 time 30 day late payment from all the credit bureaus on the above referenced Loan thank you. 
XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

I recently made a payment agreement to American Express and AMEX representative submitting more than amount I original agree to, which cause my personal banking account to be in the negative. I reached out about the situation, AMEX stated they could not help me with the Unauthorized payment as it was proclaimed scheduled. I don't understand how it would be consider scheduled when I did AUTHORIZE the amount. AMEX did this more than once causing my XXXX  to go thru the roof. AMEX can only provide a script of how sorry they are, that is not good enough, stop the payment. This UNAUTHORIZED payment cuz me to get RETURN PAYMENT FEE, when this is clearly AMEX at fault.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Yes well fargo kept taking money out my account and overdraft fees kept being took out sense 2019 they would take more out my account then necessary, they let scammers use my card number 4 times sense 2019 stuff would be charged on my card I didn't pay for and when I take them I didn't buy it, they wouldn't give me my money back.
Consumer complaint received 2023-12-07
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I recently moved to California with my XXXX vehicle. Talked to the local DMV who said that I needed my car 's title to register it in California. I paid off my Hyundai Motor Finance loan in full on XX/XX/XXXX and waited the XXXX business days stated on their website for the title to be released. Their website has been listing my title as being requested and that I should wait up to XXXX business days for the past XXXX months. Need this title ASAP as my prior out of state registration is expired. Every time I call they just tell me the title has been requested and to wait XXXX business days. Really frustrated as I need to register my car in CA.
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

Reached out to XXXX XXXX on XX/XX/23 and spoke with XXXX who advised he can not provide any documentation due to the balance being in collection. the property advised I can reach out directly to collections get this information but when I reached out rent Recovery advised that they only have documentation that was sent over from the property which Advises Im being billed a reletting fee and XXXX months of accelerated rent but does not specify for what month of accelerated rent I am being charged for neither when the unit was occupied to verify I am being billed CORRECTLY. The collections isnt able to verify as the property will not provide the information to them however they are still billing for a balance they seem to NOT be able to verify as accurate. The property is choosing NOT to assist. This is my second complaint regarding this company as the first issue was fraudulently reported as I can call and get documentation but when I called they advised they can not provide when the property was occupied neither what months Im being billed for.