davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is my XXXX  endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.
Consumer complaint received 2024-07-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (TN)

They have been contacting me multiple times a day. Calling my parents who are not on the loan. Theyve contacted my aunt. Today they contacted my parents employer. They are harassing me and my family. They have given info about the loan to people not on the loan.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-16
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)

i recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

My mortgage lender is not able to pull equifax. He gets an error stating fraud reported by consumer I have never submitted anything regarding fraud to equifax. When I call them they say there is no credit report and no history under my information. I have accounts that report to equifax so there is no way I dont have a report from them. I am unable to move forward with the closing of the home I am currently under contract on without this being resolved.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (PA)

This evening, I was shocked to find inaccurate accounts on my credit report, and I cant even begin to understand how this happened. I review my report regularly, but suddenly these discrepancies appeared out of nowhere. I thought maybe it was a browser glitch and refreshed, but nothing changed. Im extremely worried now and need assurance that the documents Ive submitted will be reviewed properly so I wont have to face this stress again.
Consumer complaint received 2024-05-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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've expressed my complaints regarding XXXX XXXX on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an XXXX XXXX report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit 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: SYNCHRONY FINANCIAL (NC)

XX/XX/2023 a purchase of XXXX but run incorrectly. The vet office called Care Credit to explain she ran it as a regular purchase, but it should have been a promo purchase. 
In XXXX and XXXX I made mulitple calls to Care Credit 's customer service to correct this charge. On XX/XX/XXXX I escalated to a manager ( XXXX ) who promised to get it fixed. On XX/XX/XXXX Care Credit added the promo purchase but never removed the regular purchase. The next week I saw this and called a Care Credit manager again ( XXXX XXXX and explained. Then again I called another Care Credit manager on XX/XX/XXXX ( XXXX ) and again on XX/XX/XXXX I called another Care credit manager ( XXXX ). I also filed XXXX disputes in their portal. Today, XX/XX/XXXX I spoke with XXXX with the care credit specialist team who said the same thing everyone before his said- the charge needs to be removed but they can't do it, only the " back office '' can and put in a request. 
The back office is not removing the regular charge and no one knows why.
Consumer complaint received 2024-06-03
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. (IL)

Since XX/XX/year>, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I would like a full credit report from Trans Union XXXX XXXX XXXX and my Full XX/XX/XXXXXXXX FILE. I have be unable to get my file from the website for some reason. I have attached my ID SS card and Proof of address please send my credit file report.
Consumer complaint received 2024-05-07
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. (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.

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 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has placed two accounts on my credit file that are fraudulent. These accounts are Acct # XXXX and Acct # XXXX. Both accounts are fraudulent. When asking for verification of debt, these accounts are attached to an address Ive never lived at. I have filed an FTC Fraud report explaining this. The report number is XXXX. 

These accounts also show a different opening date and different credit limit amounts amongst the three credit reporting agencies. I have requested the removal of these accounts based on FCRA 15 USC 1681 1 ( 5 ) ( a ). Failure to remove these bogus accounts will force me to seek punitive damages through litigation.
Consumer complaint received 2024-05-07
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. (PA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXXXXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Equifax Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account XXXX : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-16
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. (TX)

You failed to re-investigated and I am in disagreement with all the inaccuracies report to the credit agencies. You have violated my consumer rights in accordance with the Fair Credit Reporting Act. This XXXX XXXX account charged off as of XXXX 2020 and it is currently reporting as charged off XXXX consecutive months which falsely manipulates the statue of limitations. You failed my previous request to fix this issue. This account shows inaccurate status paid with XXXX, paid with XXXX and derogatory with equifax. 
Again this account is not accurate among the XXXX bureaus, you failed to re-investigate this account properly and you neglect has violated my rights. I demand a deletion of the following account. XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY FROUP HELPING ME DUE TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU REMOVE AND BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TP SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND DELETED FROM MY CREDIT REPORT! PLEASE DELETE AND BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

I closed on my FHA Streamline Refinance at the end of XX/XX/XXXX with New American Funding. At that time NAF took 60 days of escrow. They stated they would be able to float the {$5200.00} that also needed to be applied to escrow. Prior to funding, I sent them a check in the amount of {$5200.00} to be applied to escrow and it was debited from my bank account on XX/XX/XXXX. 
All was well until I received an unpaid tax notice for my county taxes around XX/XX/XXXX. Why were these not paid is due to the company did not pull a recent tax cert but used one that was pulled at the time of application a month prior. I immediately called and it took a month to get my taxes paid and the issue resolved, I have emails of them admitting fault to this as well as them absorbing any and all fees that were related to the latency. 
I thought all was taken care of until I received a letter XX/XX/XXXX stating my escrow had a shortage and my mortgage payment was going to increase by $ 300-400 per month to repay the shortage. The reason for the refinance was to lower my payment not increase it by hundreds of dollars. 
I called on XX/XX/XXXX to resolve the issue and a gentleman with the escrow department ( very very helpful ) researched and did all he could. We found that only {$1100.00} was allocated to my escrow at closing ( 60 days worth ) This was out of his job grade and he had to escalate. I waited for two days for someone to respond and nothing. I then called yesterday XX/XX/XXXX and spoke to a customer service agent who then escalated. This customer service agent stated that there were notes that it was being researched and I spoke to another specialist on the XX/XX/XXXX that was working on it. That XX/XX/XXXX conversation never took place. I received an email the evening of the XX/XX/XXXX from the Director of customer service stating she is now researching and will get back to me when she has a response and has researched. 

Several violations have taken place here within RESPA guidelines and I am sure you CFPB is aware. 

Bottom line is ... I have no urgency from New American Funding to get this resolved. 

My {$5200.00} that was to be applied to my escrow is missing. They now state I have a shortage. Where is my money? I just want that amount applied to my escrow and this would all be resolved. 

Taxes were not paid at closing which is a violation. I would have never escalated this to the CFPB other than the fact that I have no urgency from them. Being in the XXXX XXXX   myself for many many years and fully understanding RESPA, TRID REG B etc, I am shocked that a mortgage company would act in this manner and not provide some sort of resolution for their borrower. 

Another note ... The CD and LE do not match even after I brought it to their attention which may be another reason I escalated this company.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NJ)

I recently pulled my credit report and noticed several accounts that have damaging information that isn't correct on top of my personal information not being completely accurate. Experian has not responded to my request and I do not know where their " investigation stands but they are in violation of the following FCRA laws for sure : Section 607 ( b ) - Duty to Correct and Reinvestigate Inaccurate Information : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they report. If a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must investigate and correct any inaccuracies. Section 611 ( a ) - Procedure in Case of Disputed Accuracy : This section requires the credit reporting agency to notify the consumer within five days of receiving a dispute that it has received the dispute. The agency must then investigate the dispute and either correct the information or determine that the information is accurate. Section 616 - Civil Liability for Willful Noncompliance : This section provides that any person who willfully fails to comply with any requirement imposed by the FCRA may be liable to the consumer for actual damages, punitive damages, and attorney 's fees. I expect this information to be updated as outlined in my prior requests to Experian. To be clear THE ONLY NAME I GIVE EXPERIAN TO REPORT IS XXXX XXXX XXXX, THE ONLY ADDRESS YOU NOW HAVE MY PERMISSION TO REPORT IS XXXX XXXX XXXX XXXX XXXX XXXX NJ. I DO NOT GIVE YOU PERMISSION TO REPORT ANY OTHER VARIATION OF MY NAME OR ADDRESS. 
There are accounts on my report from companies named XXXX, XXXX XXXX XXXX, and XXXX. Experian should consider this official notice these companies were sent a Cease and desist and have not honored my request. XXXX XXXX is still reporting these negative accounts and is now also responsible for defaming my character as I can't get approved for a mortgage. I demand these accounts be removed NOW. I also need to make it clear I am not interested in a 6 month long fight, I will attach my letters previously sent to your company about the negative things I DID NOT GIVE EXPERIAN PERMISSION TO REPORT WITHOUT MY CONSENT. If we can't resolve this I will explore my options legally.