davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (TN)

I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with XXXX already because someone with the same name as myself accounts were generating on my consumer report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer. 

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 U.S.C 1681 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX  XXXX XXXX XXXX # XXXX 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 2023-05-09
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. (TX)

There is a third party XXXX agency reporting in a debt which I dont believe is mine or in the least is reporting inaccuracies. I also believe it is a violation according to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. And would like it removed from all three credit reporting agencys. Please remove immediately.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

On XX/XX/XXXX I received a Proposed Modification from Nationstar Mortgage, which I accepted via phone conversation with XXXX customer service representative, XXXX, which stated, 'If you successfully complete the Trial Period Plan by making the required payments, you will receive a modification with an interest rate of 2.750 % which will be fixed for 40 years from the date the modification is effective. ' The correspondence continued by stating, 'Step XXXX : To Accept This Offer, You must make your first trial period payment by the first payment due date designated below ' which I did. The correspondence continued stating, 'Once you have successfully made each of the payments above by their due dates, you have submitted the required signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement. ' I successfully made the XXXX trial payments and, with my attorney 's guidance, tried for months to formally execute finalization of the new mortgage without being able to contact Nationstar. Their recorded phone message cited bad weather in the XXXX area as a reason for being unable to answer the phone and I left voice messages to have them call me or my attorney which they never did. XX/XX/XXXX Nationstar sent me a mortgage modification with an interest rate of 4.50 % fixed for 40 years which we have, and are continuing, to contest as not the modification terms agreed to XX/XX/XXXX. XXXX additional documents received from Nationstar, dated XXXX and XXXX, have cited 2.750 % as the interest rate. Nationstar offered another modification at 4.25 % fixed for 40 years XX/XX/XXXX. I have continued to make my monthly payments since XX/XX/XXXX. It appears Nationstar feels they have the right to change, unilaterally, an agreement we entered into XX/XX/XXXX with impunity, even though I kept my end of the agreement. This is tantamount to moving the goalposts or changing the rules in the middle of the game when it suits them, and I feel is illegal. We are to have a court hearing XX/XX/XXXX.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

Hello, I would like to inform the CFPB that I would like to submit a complaint to Experian credit bureau for failing to validate a debt collection that is on my credit report. The collection is in the amount of {$2900.00}. On XX/XX/XXXX I sent a validation letter to experian to validate a collection that is on my credit report. on XX/XX/XXXXXXXX  I received a email from Experian saying they received a request regarding my credit information that does not appear to have been sent by me. As a precautionary measure, experian did not fulfill my request. I had to call Experian on XX/XX/XXXXXXXX  to clear up the matter and inform them that I sent in the dispute letter and for them to please look into the matter. I was then transferred to several reps only to be informed that my dispute has been validated. However, Experian did not send me any of the pieces of information I requested in my validation letter. I will submit the validation letter I sent to experian.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as one of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-05-15
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)

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
Consumer complaint received 2024-05-15
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 disagree with the account listed below which still appears on my credit report Equifax, even after your investigation I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-15
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. (IN)

Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXXXXXX Company Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX  Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Unauthorized hard inquiries were put on my credit report and my personal info was passed around from these companies without my consent or knowledge
Consumer complaint received 2024-09-04
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. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX  Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that trafficking XXXXXXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX please remove it from my credit report XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report CFNA Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within XXXX business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

I opened a checking account with TD Bank back on XX/XX/. At the time, they promised a {$200.00} checking bonus after completing the following : you must : 1 ) Open a new TD Convenience Checking account ; AND 2 ) Have your direct deposits totaling {$500.00} or more made into this account within 60 calendar days of the account opening date which I met with in the first two weeks of opening the account. After have completed the requirements outlined above, they were supposed to deposit the bonus in my new account on or before 180 days of account opening which fell on XX/XX/XXXX. It is now XX/XX/XXXX, and I've received nothing. I have been messaging and calling for over a week. 

This was the response I received today for the second time. 

" XXXX XXXX, Thank you for contacting us about a new account promotion. 

I appreciate you taking the time to send us a message. 

Our Promotions team does currently know about your request. 

They have informed us of a system outage that is preventing promotional bonuses from being reviewed and applied. At this time, we have not been provided with an XXXX. 

They have confirmed that once it is resolved, they will research and respond as soon as they can. 

I have reached out to them to verify if the outage is still ongoing and if your request has been reviewed. 

Once I have received a response, I will send you another message right away. '' I have been promised by a supervisor twice now that I will receive a call back with 24 hours with a resolution, but to this day I have not received any calls.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-15
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. (WI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.