davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXXXXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Upon checking my clarity report I see a lot of things that are inaccurate / identity theft. I have tried to take care of this situation before with no success. I am asking for all this information that is highlighted or have something next to it to be removed. I only have one name, one address and two bank accounts. i am asking for compensation due to the problem the inaccurate information have cost me. I am asking for {$1500.00} for the damages due to the inaccuracy of 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 XXXX party. They in fact did not come from a XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

1.XXXX has 5 different account on my credit file for the same loan.

2. XXXX  is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used.

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX  XXXX Account name : XXXX Account # XXXX Account name : XXXX, XXXX. XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1.XXXX  has 5 different account on my credit file for the same loan. 

2. XXXX is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used. 

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 2024-06-06
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

I am filling this complaint bring to your attention a critical issue that I am facing with regards to my loan repayment. As an earnest borrower, I am disappointed and frustrated with the current restrictive payment options that have, thus far, made it impossible for me to meet my repayment obligations. This unexpected obstacle is not only causing me undue stress, but it also threatens to unjustly impact my credit score.

When I procured the loan, I was not informed about the specific need for a major bank bank account debit card, XXXX, XXXX, or XXXX checking account to make payments. Attempting to utilize alternate payment methods like my XXXX XXXX debit card or XXXX XXXX card resulted in failure, as they were not accepted. Even my attempt to pay with credit cards, or ach withdrawal from my XXXX prepaid account was unsuccessful. 

Furthermore, I tried to resolve this issue by seeking your mailing address on XX/XX/XXXX to XX/XX/XXXX so that I could use a mail pay service, as I have successfully done with other bills for the past five years. However, I was informed that your company does not accommodate this traditional form of payment, a response that seemed unusual and inexplicable to me. As a last resort, upon advice from a manager in your company, I purchased two prepaid debit cards at an additional cost to me, only to learn that your company can not accept this form of payment either. 

It is highly concerning that a company targeting underserved individuals with banking products presents such challenging barriers to making payments, and imposes requirements that customers are unlikely to meet. This pattern of limited and specific payment options raises serious questions about the underlying intentions of your company. It appears as if the hurdles in the payment process could potentially lead customers to incur unnecessary late fees and penalties.
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: Experian Information Solutions Inc. (TX)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-25
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. (MD)

I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

US DEPT ED XXXX  Balance Owed : {$7900.00}.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (NJ)

I was doing some research to discover why my bill was not going down even though I was literally paying more than {$500.00} a month. I than began to inspect my statements more closely an saw an reoccurring interest fee of {$62.00}. I called to find out what the funds were and I was told it was a charge for a balance transfer of {$3000.00}. I transferred this amount because the interest rate was cheaper and and I thought I could pay it off sooner. I have learned that my $ XXXX balance is now $ XXXX and will keep increasing until I pay off my $ XXXX purchasing that happened way after the fact. I think this is a ponzi scheme to keep the banks rich. I does that make sense that is no better than a loan shark. I am inundated with emails about referring friends etc but nothing about how my $ XXXX transfer has not gone down in 2 years but has in fact gone up by $ XXXX. That does not seem right and should not seem legal. These big banks can get bailed out but here it is a working class person has to get extorted by the very bank that she entrusted her savings just to be robbed blind. How is that fair and just?
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a Bank XXXX XXXX XXXX XXXX. The expiration date is XX/XX/XXXX. Bank of America sent me an email on XX/XX/XXXX that a new card was going to be shipped. That card never arrived and was likley stolen in transit. It was used to make {$3600.00} of purchases at XXXX XXXX, XXXX XXXX and XXXX in Massachusetts and Texas. I live in XXXX XXXX. I do not regular use this card so I caught it about a week later. I filed a dispute with Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America sent the following notice. 

" We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' None this information is correct. There is no PIN since its not a debit card. I could not have been present at either of those locations and a signature is not enough to validate that. I have proof I was in XXXX XXXX at the time of the purchases. The purchases are all for exact dollar amounts of either {$400.00} or {$500.00} which is highly unlikely given they happened in states with sales tax. This is clearly fraudulent but Bank of America does not agree and is telling me their is nothing they can do.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.
Consumer complaint received 2024-05-17
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. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is an ongoing issue, SPS customer service continuously demonstrated a lack of knowledge and is leading my property to Foreclosure. 


I applied for a Hardship on XX/XX/2023 due to the onset of XXXX and medical reasons. My situation has not changed. The written communications received are always unclear as to what is required and request the same documents that have been provided multiple times. When I call customer service, each representative provides different messages on the status of the file/unable to interpret the letters so that I can provide what is being requested. 

On XX/XX/2023 Spoke with XXXX who advised that a valuation is needed, when questioned why another customer service rep stated that one is not needed, her response was that they have a lot of new people and they don't know where to look in the system. 

Underwriting requested documents that are not applicable to my file such as " pay-stubs were received and are missing pages ''. I have never submitted a pay stub or saw any pay stub that had multiple pages. In lieu were tax returns and profit and loss statements were provided. 
Underwriting finally requested the invoices to verify my 1099 monthly income. While requesting documents that are not needed the bank statements expired and updated requested and provided. During this time the lag process providing a final decision places the account into further delinquency. 


A property valuation was completed on XX/XX/2023 immediately followed by a decision review on XX/XX/2023 and then a demand default letter on XX/XX/2023 all events happened with a 24-hour and 48-hour date timeline. Urgency is not being made to review the new application with income and assets provided on XX/XX/2023 to appeal. It is still not clear why the account is not eligible for any resolution with the new income that has been provided, instead, I received letters on XX/XX/2023 and XX/XX/2023 appears an option to one of the retention options was not checked and that correction has been made and waiting for a pending status with a default date of XX/XX/2023. 

I've followed all the requirements and still attempting to retain my home. There is a lag time between when documents are mailed and placed on the website causing issues to meet critical deadlines. I'm being discouraged from applying for credit and the right to appeal causing me grave mental anguish. Discrimination against a person with a XXXX.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.