davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I submitted my dispute in XXXX via fax, no confirmation from XXXX received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed XXXX  customer service, to which they responsed with instructions on who to dispute. This is very frustrating, XXXX is not even allowing me to send information online.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that Equifax has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that Equifax admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Consumer complaint received 2024-01-13
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. (IN)

Subject : Request Removal of Unauthorized Hard Inquiry Under Fair Credit Reporting Act. 
Dear Equifax Credit Reporting Agency, I am writing to formally dispute and request the removal of an Unauthorized hard Inquiry on my credit report. XXXX XXXX XXXX violates my rights under the FCRA and kindly request your prompt attention and resolution to this matter. I have not authorized or initiated any credit application or Inquiry with this company and I have no affiliation or business relationship with them. Under the FCRA, Section 611 ( a ) ( 1 ) ( B ) states that consumer reporting agencies must remove any information that is found to be inaccurate, incomplete, or unverifiable. Please acknowledge receipt of this letter within XXXX days of it's receipt as required by the FCRA. I trust that Equifax Reporting Agency will handle this dispute with the utmost professionalism and in compliance with all applicable laws and regulations. I look forward to a speedy resolution in this matter and the removal of the Unauthorized hard Inquiry from my credit report. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (AR)

See previous Complaint # XXXX. Regardless of complaint closure, I continue to disagree with FMC policy of maintaining $ XXXX annually, interest free, in escrow account. FMC claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers.

FMC did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( {$1400.00} ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXXXXXX XXXX holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( {$630.00} ) on XXXX. Despite our good-faith work together, FMC improperly delayed posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX  ( {$2100.00} ) on XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.
Consumer complaint received 2024-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2023 XXXX PM XXXX XXXX train station XXXX XXXX XXXX XXXX XXXX young man approached me asking for donations for his basketball team. I didnt have cash on me but wanted to help, he mentioned he is accepting XXXX and XXXX XXXX XXXX He provided me his email address but it was long and came up invalid XXXX email address. Then the man said he can enter the email address and I without thinking, let him take my phone to enter. He proceeded to transfer XXXX to his XXXX account then ran away. The mail address he used was XXXX. 

I called XXXX immediately to inform them what happened then filed a police report the same day. The police mentioned I was the XXXX person that has come to their precinct with the same story. 

XXXX notified me on XX/XX/XXXX that there was nothing they can do given the transaction was deemed authorized. 

I understand that on paper everything looks authorized given I signed into my account to transfer this individual money. However, this is far from the truth. XXXX has access to see both XXXX accounts and if the money was transferred without the consent of the payer, there should still be some action completed against the recipient of the payment. 

Truthfully, although XXXX is a substantial amount of money, I can get by my day to day with losing XXXX, what I really want help fight for is the many other people that fell for this scam and cant pay their rent or food just because they wanted to help this young man out.
Consumer complaint received 2022-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NY)

We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. 

When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. 

Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. 

In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. 

This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. 

PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 help 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 it you could assist in removing the following from my credit report, these are the accounts :
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: Upgrade, Inc. (FL)

I sent a communication to UPGRADE INC, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( UPGRADE INC AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Consumer complaint received 2024-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I sent a communication to LVNV FUNDING, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( LVNV FUNDING AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Consumer complaint received 2024-01-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This items are illegally and unaccurately being reported on my credit report. I need these items deleted immediately.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX. I have a collection account on my credit report that does not nor has it ever belonged to me. I have tried to resolve this issue directly with all 3 of the major credit bureaus and the company. The account in question is a collection account for {$680.00} from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I sent the company a certified letter, of which I have enclosed the receipt from the USPS and my credit report as of XX/XX/XXXX. They never responded to my request. I have recently checked my XXXX credit report and the same debt is reporting as a Collection account and a Closed Act account. I would like this account deleted permanently from my credit report as soon as possible.
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-11-20
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

My mother 's reverse mortgage had come due, and the mortgage company asked me what I wanted to do to settle the debt. I told them and sent them documentation I was selling to a buyer, the buyer needed more time to get bank approval and the mortgage company asked for proof of funds, which was given to them, but they went ahead and foreclosed anyway.
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: EQUIFAX, INC. (GA)

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting the creditors listed below at once, or remove these offending inquiries as soon as possible. Despite my repeated attempts to resolve this issue, I have yet to receive adequate documentation from Equifax regarding the circumstances surrounding the inquiries listed on my consumer file associated with my Social Security Number [ SSN ] : XXXX. Summary of Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.