davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (PA)

There are hard inquiries on my report from XXXX on XX/XX/2023 and ComenityXXXX XX/XX/2023 that are not mine. I do not live in Ohio nor have I attempted to obtain retail credit with either of these businesses.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I received my Social Security Income thru Direct Express every XXXX of the month. However, on XX/XX/XXXX XXXX the fund was missing on my Direct express debit card. 
I only showed {$2.00} instead of {$790.00}. 
Funds was missing or stolen. 
Social Security confirmed depositing the fund of {$790.00} on my account. 
I contacted Direct express on XX/XX/year> and was given Case number XXXX I filed a police report on XX/XX/year> and also contacted Direct express requesting probational credit until their investigation is completed but Direct express refused. I have not received progress on my case and I am risking being evicted from my rental place and also need money for my XXXX  not covered by insurance. 
I tried calling multiple times but unable to speak to a person as it always gets transferred to a recording " to call during non-peak hours '' I called XXXX XXXX times at different times but still unable to speak to anyone. Now my husband 's XXXX for XX/XX/year> was also missing and will file another complaint as no one answers our call no matter how many times we tried contacting them.
Consumer complaint received 2023-11-28
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with XXXX XXXX. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. I have already tried to fix this with your company. Equifax is the only Credit reporting agencies reporting the unverified accounts. I will be moving forward with filing a statement of claim if these errors are not corrected in 7 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (CO)

Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the unacceptable service and practices of my mortgage lender, Cross Country Mortgage LLC , and the subsequent handling by XXXX XXXX, XXXX company to which my loan was sold. 

As a conscientious borrower, I have consistently overpaid my mortgage each month through an automatic payment plan, maintaining an excellent standing with Cross Country Mortgage LLC. However, my attempts to communicate with the company have been met with significant obstacles and disregard for customer service standards. 

Despite numerous efforts to contact Cross Country Mortgage LLC by phone, I encountered prolonged wait times, totaling five hours over two weeks, and was ultimately unable to speak with a customer service representative due to the company 's dysfunctional automatic response system, which routinely disconnected calls. 

My desire to change my mortgage payment plan to a bi-weekly schedule, a common and reasonable request, was met with further frustration. Although I was informed by Cross Country Mortgage LLC that a letter outlining the process would be sent to me, it never arrived. Subsequent attempts to obtain assistance took an additional four days of persistent calling, resulting in the eventual receipt of the letter via email, a day after the request. 

After meticulously following the instructions provided in the letter to change my payment plan, I received a denial letter from Cross Country Mortgage LLC. The letter stated that I must first cancel my automatic payments, pay one month ahead, and resubmit my requesta cumbersome and unnecessary process given my clear intent to manage my payments responsibly. 

Despite complying with these demands, I have yet to receive any confirmation or acknowledgment from Cross Country Mortgage LLC regarding the status of my request. It has now been two months since I initiated the process, and the lack of communication and resolution is deeply concerning. 

Furthermore, when seeking assistance from XXXX XXXX, the company to which my loan was transferred, I was informed that they do not provide customer service and directed me back to Cross Country Mortgage LLC. This abdication of responsibility and accountability is unacceptable and compounds the already distressing experience with Cross Country Mortgage LLC.

In summary, the conduct of Cross Country Mortgage LLC and XXXX XXXX reflects a disregard for customer welfare, a failure to uphold basic standards of service, and potentially unlawful practices. I urge the Securities and Exchange Commission to investigate these matters thoroughly and take appropriate action to ensure that borrowers are treated fairly and transparently by mortgage lenders. 

Thank you for your attention to this matter. 

Sincerely, 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: EQUIFAX, INC. (LA)

I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.
Consumer complaint received 2023-07-30
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. (NC)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On or about XX/XX/2018 we contacted our Bank of America to let them know we settled with a lender by the name of XXXX XXXX for a combined total of {$4600.00} for my wife XXXX XXXX XXXX and myself XXXX XXXX. We were informed by a Bank of America Claims representative that the temporary credits issued by them would not be reversed until our response was considered. On or about the XXXX of XX/XX/2018 Bank of America proceeded to reverse the credits and place our account into a negative balance in excess of {$700.00}. We contacted the Claims department and visited our local branch on several occasions requesting an explanation and our funds reimbursed as this matter was already addressed during our settlement negotiations. We were informed over the next several weeks that our claim was escalated, that no one ever reopened it to theyve determined the claim in the favor of XXXX XXXX without providing any documentation proving that our arrangement was invalid as promised by them.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

XXXX XXXX , XXXX. continues to attempt to collect on a debt that was identity theft. I was a victim of aggravated Identity theft and the bank as well as XXXX XXXX XXXX XXXX both know this. It has been reported to the Federal Trade Commission and the local police department. This account is for {$18000.00} and it is not valid as I hold zero fraud liability and they need to respect that. Respect the FCRA and both state and federal law regarding citizens who have been victims of Identity Theft.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-12-20
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. (AL)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I applied for a Lowes Consumer Credit Card. I provided all of the information they required, including the phone number I have had registered under my own name for the past 8+ years. They ran a hard credit check as part of the application process, which was reported to all XXXX bureaus. However, AFTER running the credit check, they tried sending me an identity verification text, but their system was producing an error. They requested me to provide a different mobile number, which I did, and again their system could not complete the processes. They then denied my application because of their systems failure. I requested that they submit documentation to the credit bureaus asking for the credit pull to be removed, because they did not complete a legitimate application process, and they refused.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (FL)

I have called XXXX numerous times. My XXXX loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. XXXX did not notify me that they started trying to collect on my deferred XXXX  loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on XXXX. I disputed with the bureaus and XXXX did not even respond- they provided no proof. I feel so violated. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 accounts 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 2018-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

I requested very specific information regarding these alleged debts-proof that Simon Agency owns and is authorized to collect, proof they are authorized to collect in my state-etc. 
There response was false and inaccurate- The original placement dates vary according to what they provided. On XXXX they claim they sent me notice to my current address-they are lying, I did not live there at the time. I have been disputing these false debts since XXXX. They refuse to provide the requested documwntation
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Every single XXXX XXXX XXXX XXXX account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP.

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (KY)

I noticed a fraudulent inquiry on my report from Elan financial on XX/XX/2023. I called XXXX to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from Elan financial stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.
Consumer complaint received 2023-11-27
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. (MI)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-11-27
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)

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XX/XX/2023 to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. 

I have uploaded proof of my letter and information that was disputed