davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NJ)

Back in XXXX of XXXX  I initiated a mortgage application with American Financial Network , Inc. the mortgage broker I was in contact with is named XXXX XXXX. The application I submitted requested a 30- year loan for which on XX/XX/XXXXI received a Commitment Letter with an interest rate of 5.125 %. Additionally, earlier in XXXX ( XX/XX/XXXX ) I also received the loan estimates which showed the interest rate at 5.125 % on a 30-year loan as well as no points for closing costs. 

However, when the loan estimates document was reissued on XX/XX/XXXXthe loan was now showing 5.253 % ( or {$12000.00} ) in closing points. At this point I informed XXXX that this was not what we had agreed to. That same day he informed me that the documents were not final that and the lender credit would be applied before closing. 

On XX/XX/ he issued me another loan estimates document. The new estimates had now changed the loan from 30-years to 15-years. The closing points had also changed to 3.032 % ( or {$7200.00} ). On XX/XX/XXXX, I informed XXXX that I had not agreed to a 15-year loan to which he again replied that the documents were not final. 

Eventually I did agree to the 15-year loan, but XXXX himself told me that the points of 3.032 % ( or {$7200.00} ) would be applie half in terms of lender credits at closing ( which was fulfilled ) while the other half I would receive in the form of a check 2 weeks after closing. 

I closed on XX/XX/XXXX and after XXXXo weeks had passed I wrote to XXXX asking for an update. He informed me that he was working on in. Since XXXX of last year he has been dragging this issue by proving different excuses and and at this point I have decided to file this complaint. 

I also have proof of these conversations I had with XXXX and copies of the document I referenced.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I was defrauded by an XXXX old man in XXXX XXXX who used my identity to open several accounts under my name. The story was all over XXXX XXXX XXXX XXXX XXXX. XXXX of them was the Care Credit account. And XXXX and XXXX removed this charge on my credit report but they are still sending me bills. The credit bureaus identified the identity theft and removed the charge from my account immediatly.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sold a debt to XXXX XXXX that was not mine. This account was made fraudulently to my knowledge. I never opened an account with Capital One nor did I make any payments on any Capital One account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by Capital One that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by XXXX XXXX. The only information they gave me was that the address linked to the Capital One account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with Capital One.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed into selling my home and wasnt even fully paid for for the house now Im homeless with no where to go And I have been trying to contact someone about this manner for Some time now please contact me at your earliest convience concerning this matter And the transfer of My Estate without full knowledge of what I Was partaking in there is a huge language barrier please call me At your earliest convenience XXXX
Consumer complaint received 2024-03-21
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-11-06
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 instruction
Consumer complaint received 2023-05-09
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: PENTAGON FEDERAL CREDIT UNION (OR)

PenFed Credit Union reported I made a payment more than 30 days late in XX/XX/. This is not the case and I have the supporting documents. The minimum payment of {$64.00} was due XX/XX/ but the late payment date was listed as XX/XX/. I submitted my payment of {$120.00} on XX/XX/XXXX  as reflected on my XX/XX/ statement. Clearly I did not pay 30 days past the due date and in fact paid by the date PenFed stated would be considered late.
Consumer complaint received 2023-05-09
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2023-07-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Consumer complaint received 2023-11-30
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2024-03-21
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. (DE)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle repossession, specifically the lack of proper notification and failure to comply with consumer protection laws. The details of the complaint are outlined as follows : XXXX. Lack of Written Notification of Repossession : I was never notified in writing of the repossession of my vehicle. According to federal and Delaware state laws, creditors are required to provide written notice prior to repossession. However, I received no such notice from XXXX XXXX XXXX. 

XXXX. Failure to Provide Notification of Reclamation Procedures : Following the repossession, I did not receive any notification regarding how or when I could reclaim my vehicle at auction. This lack of communication deprived me of my rights as a consumer and prevented me from taking necessary actions to mitigate the situation. 

XXXX. Absence of Notice Regarding Auction Sale Proceeds : Additionally, XXXX XXXX XXXX failed to provide me with a letter stating the amount for which my vehicle was sold at auction. This lack of transparency violates consumer protection laws and deprives me of crucial information regarding the disposition of my asset. 

XXXX. Failure to Provide Required Tax Documentation for Charged Off Account : Furthermore, the account related to the repossession was charged off by XXXX XXXX XXXX. Under federal law, companies are required to issue a Form 1099-C to taxpayers when a debt is canceled or forgiven. However, I did not receive any such documentation from XXXX XXXX XXXX, despite the account being charged off. 

I believe that XXXX XXXX XXXX 's actions not only violate federal and state consumer protection laws but also demonstrate a disregard for ethical business practices.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq . 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS. 

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 
15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account. 

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I previously disputed an account listed on my consumer report XX/XX/24. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA 15 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. states i have right to privacy 15 U.S.C 1681 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 adverse 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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-14
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. (TX)

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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX by synchrony bank has been reporting a debt which belongs to a deceased relative and that was opened by a deceased relative that resides in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. This information is reporting inaccurate on my XXXX  and XXXX credit report as bad debt and bad address.