davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (GA)

I have contacted XXXX as well as Equifax on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. XXXX and Equifax refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over XXXX and Equifax have directed me back to the companies even after me providing the information I was given. I was then informed by XXXX XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and Equifax that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A new employment background check was done for XXXX XXXX. I found 2 addresses that are incorrect : 1 ) Never lived in AR - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, AR XXXX. 
2 ) Likely a typo - Lived at XXXX XXXX XXXX. XXXX but never XXXX XXXX XXXX XXXX, XXXX XXXX. 
3 ) Also gap of employment is incorrect Employment ended XX/XX/XXXX, but began XXXX XXXX in XX/XX/XXXX. There is a reason for the gap. 
4 ) Lived at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX XXXX XXXX from XX/XX/XXXX to present.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We had two separate occurrences with Bank of America with our account being XXXX, the first one was in the amount of XXXX, the fraud department put a stop on payment .The second time was on XX/XX/2024 in the amount of XXXX, again the fraud department put a stop on payment and closed our account informing us that we would have to open a new account. Both times the customer service at the bank was less than desirable. The people in the office seemed to not want to acknowledge us when we entered the bank instead they were sitting in their offices. We asked if someone can assist us and was informed to have a seat and someone would be with us shortly. After a 20 minute wait we were acknowledged and directed into an office where the person called the fraud department, this person left us in the office on the phone, we explained to the fraud department what transpired with our account and was informed they would close this account and open a new one which the person at the bank could do for us, when we informed them that the person left us in the office by ourselves, she said she could not believe we were left unattended and asked to speak to the individual that placed the call, we informed the person and she sent in another person, the fraud department personnel informed this individual who they were speaking with that they were on a recorded line and asked them if they would assist us in opening a new account, the person informed them they did not have anyone at the time that could assist with this request to which the fraud department person could not believe they just told her that. We were informed from the fraud person to remove ourselves from this bank location and apologized for the inconvenience. We went to their other location and the bank was closed with no notification on their door.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

Please see the dates in the attachments where I have been trying to work with the merchant and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess. They have been unresponsive and claim to send letters out for me to respond to, and I have not received them, they keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report and police report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

Old Navy Barclays credit institution reported late payment to credit bureaus causing perfect credit score to decrease by significant amount.

Never had a delinquency with this company. Always paid full statement balance. 

XXXX Monthly/Scheduled Payment : {$30.00} XXXX Balance : {$180.00} 30 day delinquency reported on XX/XX/2023. 

This is devastating due to the fact that I'm in process of purchasing a new home and this will now affect my ability to obtain a mortgage.
Consumer complaint received 2024-04-23
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. (CA)

I am writing this letter to bring a serious issue to your attention regarding the non-reporting of my paid-off loan by the credit bureaus. 

I had a loan from XXXX, which I have completely paid off as of XX/XX/24 in the amount of {$48000.00}. However, despite making several requests, my credit report does not reflect this crucial information. This non-reporting is adversely affecting my credit score and thereby my capacity to secure future credit. 

Under the United States Code Title 15, Section 1681s-2 ( a ) ( 5 ) ( A ), it is stated that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days ( certified mail tracking number in attachment ) after furnishing the information, notify the agency of the date of delinquency on the account. This implies that it is the duty of the XXXX to inform the credit bureaus about the status of my loan and it is the responsibility of the credit bureaus to update this information promptly and accurately. 

Unfortunately, this has not been the case with my situation. Despite having fulfilled all my financial obligations, the credit bureaus have failed to accurately report this, thus infringing upon my consumer rights as per the Fair Credit Reporting Act ( FCRA ). 

I kindly request the CFPB to intervene in this matter and ensure that the credit bureaus rectify this error promptly. I am attaching copies of the loan settlement documents as evidence of my claim. 

I trust that you will address this issue expeditiously and ensure my rights as a consumer are upheld.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

I have a property that was quiet claim to me. Ocwen say it is in foreclosure stopping me from doing anything and tieing up my equity for investments in other real estate.

They also keep paying my taxes. I have sent them letter to stop this and to remove the lis pendis from my property. but they still pay my taxes and i keep sending letter for them to stop.

cfpb told me cit owns the supposed mortgage but i have not been able to get them to respond since 2016.

so i am trying this all again. 

Ocwen Account/Loan number XXXX Property : XXXX XXXX XXXX XXXX, XXXX, CT XXXX old owner : XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company XXXX XXXX. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I mailed XXXX a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of XXXX. 

Attached is a copy of that letter along with my consumer report as proof of violations.
Consumer complaint received 2023-05-13
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. (FL)

I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!
Consumer complaint received 2023-08-25
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. (MD)

I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that this disputed account get corrected. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2022-10-26
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. (TX)

On XXXX i was a victim of Fraud i reported it to the XXXX Police Department. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with Transunion, XXXX, & XXXX for 8+ Months with minium removals & Transunion sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought Transunion, XXXX XXXX XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB
Consumer complaint received 2024-01-09
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. (OK)

Hello! it has came to my attention after viewing my recent credit report that some unauthorized inquiries was placed on my report due to an improper use of my credit report and this is a serious violation to my rights as a consumer. None of the listed inquires are attached to me nor do i have anything to do with them. please kindly investigate and remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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 make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-23
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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-04-23
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for XXXX XXXX XXXX XXXX XXXX. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
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)

My information was sold and bought illegally because I am a victim of the equifax data breach. I want these items deleted from my credit report effective immediately. I have attached proof that I am in fact a victim of the equifax data breach. Please help me delete these illegal items off my credit reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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  Account XXXX Account Name : DPT EDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account 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 2024-04-23
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. (IL)

Hello these companies has been reporting fraudulent accounts. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Complaint number XXXX has not been satisfied. 
Mr. Cooper addressed the CITY TAXES, not the XXXX XXXX Taxes. They have not corre4cted the overpayment from this complaint. I received notice from you that they responded. The response did not correct the error. I DO NOT consider the complaint to be closed, when they have not corrected the problem and my escrow account is over {$3000.00} in a negative balance because of their negligence. What is the point of asking for your assistance as an oversight agency if you do not address the problem?