davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We paid our Bank of America mortgage in full in XX/XX/2018, and sold the house as-is the same month. All liens were cleared, and the closing was successful. The house had been flooded in the Hurricane Harvey flood, but due to the insurance settlement being less than the estimated cost to repair the house, we decided to sell the house as-is. 
Since then, Bank of America has sent letters to me demanding that we set up an inspection on this house to be sure repairs have been made. I phoned Bank of America two days ago and explained that we paid the loan in full ( the Bank of America representative acknowledged this ), that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. 
The Bank of America representative became robotic ( i.e. acting as if I had not said anything ). Thinking this may be a computer, I began to repeat myself. After the phone call, I went on the Bank of America website and filed a complaint explaining the problem. 
Today I received a phone call from a different Bank of America representative. I explained how Bank of America is harassing me on this matter, and repeated we paid the loan in full, that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. She demanded more personal information from me. I explained that this is an internal matter for Bank of America to resolve, and I will not provide any other information over the phone. Like  the other representative, she began to repeat herself much like a computer would do. I requested a letter in lieu of a phone call, but she would not agree to this over the phone. 
I need Bank of America to cease harassing me given they acknowledge the loan is paid in full, Bank of America has no lien on the home, we no longer own this property, and we did not file a claim on the property with Bank of America. It is illegal for use to schedule an inspection on a property we do not own, but Bank of America does not acknowledge this.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Equifax sent me a letter that I received today and it says They were unable to locate a file in our data base. I called them and after about an hour they left me on hold and then hung up on me. I have a mixed file with someone with very similar information to me and I have a mixed file. Equifax will not help me get this situation straightened out and it is really hurting my credit. I requested a supervisor to help me with this and they said Equifax does not have this type of person. I have sent them multiple times copies of my Drivers license and social security card and Electric bill. They have me mixed with a similar person and they will not help me with this and I have been trying to get this situation fixed for over a year now. I have my Equifax monitoring service free from the data breach from 2017 that had happened to me and the report shows things that are not mine in it. Have have disputed these items for over a year now and they will not investigate anything. Now I do not have a credit file with them. They will not let me do a temp freeze lift so my bank can look at my yearly report. 
Things are really messed up here.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Yamaha Motor Finance Corporation USA (FL)

In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( XXXX ), UCC 1-308 All rights reserved.
Consumer complaint received 2023-12-15
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. (NY)

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax repeatedly refuses to make sure that its reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-15
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. (NY)

On my reports I have inquiries from XXXX XXXX XXXX I have no account with XXXX XXXX XXXX nor am I seeking one nor is the one open in my name I am asking to have this removed from all reporting agencies
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, Equifax and XXXX has ignored my requests and I would like this account to be removed from my file.
Consumer complaint received 2023-12-15
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. (DC)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.
Consumer complaint received 2023-12-08
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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. (FL)

In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( TTEE ), UCC 1-308 All rights reserved.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-15
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. (OH)

XXXX XXXX has violated multiple USC 's and CFRS 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-15
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm writing urgently to address discrepancies I've found in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have surfaced, raising substantial concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 


I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
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. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the XXXX and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.
Consumer complaint received 2023-12-15
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. (DC)

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Consumer complaint received 2023-12-15
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. (DC)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802
Consumer complaint received 2024-04-15
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-15
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. (FL)

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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently viewed my credit report and noticed that accounts are missing off of my Equifax report. I notice its inaccurate and missing accounts. Please verify all account information and add necessary accounts to my Equifax.. Im in the process of buying a house and this is costing me thousands of dollars. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach as a result I have illegal accounts on my credit report, I have cellphone in my name that I didn't apply for, I was a victim of XXXX fraud we're someone used my info. Equifax has admitted to me that I was affected by the data breach but has done nothing to take this illegal accounts of my credit report
Consumer complaint received 2018-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (FL)

I disputed some items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.
Consumer complaint received 2023-12-15
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. (MS)

I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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. (MS)

I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$6400.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$160.00}.