davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (NY)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (NC)

I begin the closing process with my mortgage lender, Pinnacle Bank, on XX/XX/. The home I purchased cost XXXX. I was originally sent a closing disclosure onXX/XX/XXXXXX/XX/XXXXof XXXX ( principle & interest ) + XXXX ( taxes ), which totaled out to be XXXX as my original amount that I would pay each month for my mortgage. I signed these documents the same day, which should have locked in my rate for this specific home. OnXX/XX/I was then contacted by my mortgage lender that the bank had made an error on my closing documents, which could possibly cause a delay in closing on my home. I was told by my mortgage lender that my loan would have to go back through underwriting for correction. On XX/XX/, I received another closing disclosure and noticed that my loan had increased another {$8000.00}, and that my monthly payments would now be over {$1500.00}. I reached out to my mortgage lender for an explanation, and was informed that there may be unpaid property taxes from the sellers. I was also informed that public tax records did not list the new property taxes correctly after renovations have been completed on the home. I was not informed of this misinformation until 3 days after my original closing. I was also scammed into signing this contract because I was told my due diligence funds would not be returned to me. My mortgage lender left out vital financial information once I closed on the home on XX/XX/. I received a letter from XXXX stating that my payments have increased again from XXXX to XXXX, and that there was an escrow shortage. I reached out to my new assigned lender on this information & was informed that once again the underwriting department has made several errors on my loan. I also received an email from my original mortgage lender admitting that they made errors on my closing disclosure but did not catch it until after I signed my disclosure
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XX/XX/year> Equifax and XXXX reported I had two hard inquiries, these on both reporting agencies, I put a fraud alert and freeze, I disputed that the inquiries were not done on my behalf and that Equifax still left them on there, the Equifax inquiries were done to XXXX XXXX and XXXX XXXX XXXX and the XXXX inquiries were XXXX XXXX and XXXX XXXX XXXX, again only the disputes on XX/XX/year>, XXXX has a open dispute but Equifax didnt take more than a couple hours and did not remove these, I have the right to a accurate report and these card companies and these credit reporting agencies have a responsibility to make it right.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-19
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)

just recently looked at my XXXX report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NJ)

I recently was in the process of purchasing a home for my family and I and a week before closing I am being made aware that I have detrogarty marks on my credit from XXXX. 

I originally entered into an installment loan contract with XXXX XXXX and my terms were 12.49 % interest rate, finance charge of {$5800.00} amount financed {$11000.00} for a total of payments {$17000.00}. This would be XXXX payments at {$200.00}. 

I always paid more on my loan with XXXX XXXX and was ahead on my loan. 

In 2020 the account was transferred to XXXX XXXX XXXX. They changed the account from an installment loan to a revolving card. The payments are not applied properly and then they are now adding late charges and then adding finance charges that are already calculated in my monthly payments. 

Reviewing the statements from XXXX the statements have many errors and again my payments are not applied correctly. Just recently i have XXXX credit delinquency hits but yet my loan has been paid off way before the maturity date with all the extra money that was being sent. 

I attempted to reach out to XXXX myself and after I had XXXX minutes wasted with an unprofessional representative, I finally spoke to a supervisor XXXX who followed me step by step with all of my concerns. Although he was understanding, he stated that he would not be able to rectify the situation and would need to esculate it but told me that I would need to mail my credit report to XXXX XXXX XXXX in XXXX XXXX, CA. When i asked why XXXX XXXX XXXX when my statements say XXXX XXXX XXXX XXXX. I explained that would take too long and also offered me an email address. 

I sent an email to XXXX but this is very time sensitive and will cost me a home for my family and I if not corrected immediately. 

I am a XXXX XXXX and not readily available to discuss things and even authorized and signed a XXXX party release form to speak to my mom XXXX XXXX. Still have not received any communication from them. 

I think they need to reverse and repost all of my payments including the payments ahead when I was with XXXX. They can also refund me ALL late fees and additional finance charges charged to me.
Consumer complaint received 2024-05-20
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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. (CA)

Today Equifax returned almost 20 inquiries to my report that was removed for proven identity fraud and had been removed off my reports for almost a year. Then overnight, someone there decided to report them all. This had destroyed my credit score and any ability to use credit once again. The dates on these inquiries are all bunch together are with the same company. i would not apply with same company for days. An investigation was done and they were removed. Now they are back. I am insisting that my report return to the reporting as on XX/XX/XXXX when there was only 5 inquiries being reported. only one was in dispute. The inquiries below should be removed AGAIN : XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, did not consent to, authorize nor benefit from any of the following inquiries indicated on the attached Theft Report.. 

I previously informed Equifax of this and received the same auto-generated response for all inquiries : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES It is the responsibility of Equifax to validate/verify all information in order to ensure correct information on my credit report. It is not my responsibility to contact all creditors directly as I never authorized these inquiries and Equifax is NOT to have this fraudulent information on my report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX, and I have not yet received a response. ''
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with ( XXXX, XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XXXXXXXX XXXX XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX, XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am writing to dispute fraudulent activity associated with my identity : 1. Fraudulent Account : XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have never had any association with XXXX XXXX XXXX. Please delete this account as it affects my creditworthiness. 2. A hard inquiry XXXX XXXX XX/XX/year> appears on my credit report, this inquiry is unauthorized, it is fraudulent, please remove from my credit report. 3. Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I never lived at this address, this address does not belong to me in a shape or form, please remove this address because it is fraudulent.
Consumer complaint received 2024-05-20
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. (FL)

You are reporting this collection an " open account. '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.

FDCPA section 807 violation. Misleading false reporting. Remove account immediately Account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request the correction of inaccurate personal information in my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following information currently listed on my credit report is incorrect : Names : XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX  - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX  XXXX XXXX - Name ID # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Multifamily XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXXXXXX XXXX XXXX XXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ID : # XXXX Type : Single family The accurate information should be as follows : Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NC)

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. 

The letters are stated with items and issues. 

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.