davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (NV)

Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge XXXX, Equifax, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (CA)

on XXXX i filed complaint with CFPB after EXPERIAN refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/ EXPERIAN updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.
Consumer complaint received 2024-04-13
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. (MD)

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$3400.00} XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (NC)

XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$5900.00} Credence Resource Management ( opened XXXX ) {$1800.00} XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} In accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish an account without written instructions. 
Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX  XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. XXXX shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$130.00}
Consumer complaint received 2024-04-13
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. (MA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

Citizens mortgage bank wont give XXXX title a payoff statement they will give a number but they refuse to send the documents saying to XXXX we have to wait a week or more over and over I believe this to be illegal or at the least its wrong
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (NC)

On XX/XX/ The credit bureau stated account name and account was properly investigation but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate this ground for removal.They also violated my right under ls u s.c 1681 section 604 A section 2 The law clearly states a consusumer reporting agency can not furnish a account without my written insinuation.I haven given these account 's written permission to furnish these accounts on my credit report!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2024 I received an email from XXXX informing me that my credit limit had been decreased from XXXX XXXX XXXX. When I called Synchrony to inquire, I was told it was because I have not used the card in over a year. This will affect my credit scores XXXX XXXX XXXX  and XXXX score XXXX XXXX XXXX and I don't understand how this can be legal.
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously filed a complaint on XX/XX/XXXX, with CFPB, complaint number XXXX. In that compliant I stated in detail that I was disputing inaccurate information that the three major credit reporting agencies, XXXX, XXXX and Transunion, were reporting on my credit report regarding my student loan debt. All the aforementioned credit bureaus were reporting that I owed student loan debt and that my account with XXXX open. XXXX shows that my account is closed on my XXXX account. I submitted substantiating documentation, a letter, ( submitted with my previous complaint ) that I received from my student loan servicer, XXXX, dated XX/XX/XXXX, to each agency. The letter states that all my student loan debt was forgiven effected XX/XX/XXXX. Since making the previous complain, I checked the status of my student loan debt with all the credit reporting bureaus, XXXX, XXXX, Transunion and XXXX ( a fourth credit reporting agency that I was unaware of ) and all agencies. All but Tranunion have updated my account and now show that my student loan account serviced by XXXX as paid/closed. As of this date, Transunion has not corrected the information on my credit report and is reporting my student loan debt serviced by XXXX as owing and open. I disputed this debt previously online on TransUnion 's website. I also called and spoke with a Transunion representative about correcting their reporting. I was told that my account would be updated by XX/XX/XXXX. It has not been. I also added a statement on my credit report disputing this inaccurate reporting being reported. I initiated another dispute on XX/XX/XXXX, online on Transunion 's website. I am being told that it would take 30 days before I can get the results of the dispute. I have applied for a mortgage cash-out loan and this inaccurate information on my credit report is negatively impacting on my credit score and approval. I am asking that my student loan account with XXXX reported by Transunion be corrected to paid/closed as on the other 3 credit reporting agencies immediately. Thank you.
Consumer complaint received 2023-02-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-01-15
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. (NC)

My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (AZ)

I called in to request the total amount that I owed the company. I was told that they could not give me the total amount that I owe because I have a payment scheduled for XX/XX/XXXX. I also wanted to revoke the ACH payment authorization, but they said that I could not do that because of the scheduled payment on XX/XX/XXXX. 

It makes NO sense to me that the company can't tell me how much I owe them as of today, XX/XX/XXXX. 

I then sent an email to the customer service department and they too responded by saying that they could not give me the balance due.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding llc opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.
Consumer complaint received 2023-12-27
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (FL)

XX/XX/XXXX we received a notice from our mortgage company, freedom mortgage, that our mortgage would be going up about XXXX a month due to a XXXX projected escrow shortage for XXXX. XXXX XXXX XXXX XXXX, a loan officer from freedom mortgage started soliciting us to refinance. He made promises of much better rates, a much lower monthly payment, no closing costs, and no projected XXXX dollar escrow shortage. It sounded great so he sent over the disclosures for us to sign and our new loan process started. XXXX informed us that we did not need to make the XXXX payment because he would be making sure we didnt have to pay the extra XXXX in mortgage per month. He informed us he had this authority within the company. Upon reviewing these disclosures, they not match what XXXX XXXX had said, it did give lower rates for our mortgage though. We signed them. They lock in rates expiration date was noted as XX/XX/XXXX. We started making attempts to contact XXXX XXXX in later XX/XX/XXXX to inquire why the disclosures did not match what he promised. Although the lower rates where better then the XXXX new payments projected by freedom we still had questions especially about being advised not to make XXXX payment. We made numerous calls aswell as sent XXXX XXXX. We never received a response from XXXX. Every rep we did get ahold of said they would call us back with information. We still have not received any information. In mid to late XXXX ( we still were regularly attempting to get in contact with XXXX XXXX or anyone who could help ) we received new disclosures to sign with different rates and amounts. These new disclosures were not anything like the ones we signed. Our original disclosures had not even reached the rate expiration date of XX/XX/XXXX. Also these new disclosures were signed by XXXX XXXX who still has not responded to any of our emails or calls. We did however start to get notices to pay XXXX payment. We did not anticipate paying This much larger payment as XXXX XXXX instructed us not to make that payment. This resulted in much financial hardship for us currently. In the last 2 weeks I have again emailed XXXX XXXX XXXX as left voicemails and spoke to several different reps to let them know we wont be signing the new disclosures and we wish to discontinue the loan process. Freedom is still to this day sending disclosures for us to sign and will not acknowledge our refusal to sign any documents. We have been lied to and misled into financial hardship which appears to be a tactic to get us to sign these new outrageous documents. It appears to be a bait and switch of disclosures because they attempted to pressure us to sign new disclosures before our original documents expired.
Consumer complaint received 2024-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (NC)

I opened a dispute with US Bank that has continued to have ongoing issues after they closed my first complaint. This pertains to my HELOC opened in XX/XX/XXXX. Upon opening and sending out checks on my behalf, the branch did not scan in the paperwork and my balance remained at XXXX until XX/XX/XXXX. In XXXX, I took two withdrawals from the line, in addition to the checks they sent out. However, I paid them both back in a matter of days ( as evidenced by my US Bank checking XXXX XXXX, and XXXX XXXX statements ). The payments were as follows : XXXX. {$24000.00} on XX/XX/XXXX XXXX. {$5000.00} on XX/XX/XXXX XXXX. {$2.00}. XXXX on XX/XX/XXXX. 
These three payments zeroed out anything I electronically pulled from the line while I awaited the cashed checks to appear. After claiming this issue was resolved, I received a letter dated XX/XX/XXXX that my balance was {$190000.00}. The max I can take from my HELOC is {$170000.00}. Then, on XX/XX/XXXX, I opened the US Bank app to see that the balance had jumped from {$160000.00} ( the result of them correcting the errors ) with a XXXX balance due to {$170000.00} with a late charge of {$29.00}. This is simple math that their back office can not seem to understand. I have attached the statements proving that anything I personally took outside of the checks US Bank sent out was repaid.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Radius Global Solutions. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

Sense XXXX every word spoken from Apple Card reps and supervisors has dishonest. It is terrible that they can be honest and terrible that Apple Card supports this dishonesty. Lies all the way to mangers who if you miss there call they hide like cowards in stead of leaving there direct number. Its like Apple Card does not beleive on customers working plus they have misseee probebly 15-20 scheduled call and still lieing as of today. 100s of hours of lost work 10-15 unresolved complaints of dishonesty.