davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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)

Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, XXXX, Equifax and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX  the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Consumer complaint received 2023-07-15
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. (GA)

Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are listed below. 
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 XXXX
Consumer complaint received 2024-04-22
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. (CA)

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the following accounts would be promptly updated. 

XXXX XXXXXXXX XXXX XXXXXXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself.
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

I transferred some funds into a savings account with citizens, transferred way more than intended, but could live with it. Was told it would be available for me to move money around. My money has been on indefinite hold since XXXX with no end in sight, no effort to communicate from them, awful experience. I have dates and data of all these if needed. It was my honest mistake to work with this institution I wont ever make that choice again
Consumer complaint received 2023-05-03
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am having a problem with my XXXX loan provider XXXX XXXX. I am in XXXX and I am a XXXX XXXX. I have told them I am in XXXX. I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am XXXX XXXX XXXX XXXX. They have reported me to the credit bureau and destroying my credit,
Consumer complaint received 2024-04-22
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Please delete the 3 following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
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: Experian Information Solutions Inc. (CA)

These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXXXXXX XXXX XXXX XXXXXX/XX/23 XXXX XXXX XX/XX/23
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer has requested several times for Equifax to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Equifax continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Equifax is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under California Consumer Privacy Act- Consumer have the right to have Equifax penalized {$2500.00} or {$7500.00} per violation.
Consumer complaint received 2023-09-24
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. (SC)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that 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 any written instructions.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and Equifax data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

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 2023-09-24
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. (SC)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that 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 any written instructions.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

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 2023-09-24
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. (LA)

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

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 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I paid for flood insurance in timely way and provided proof of coverage to Webster Bank as requested. They nonetheless charged me for forced placement and disbursed from my escrow account payment for an additional flood insurance policy more than twice as expensive with no authorization from me or legal justification. 

Here are the relevant dates : Purchased Flood Insurance on XX/XX/XXXX for {$1000.00} ( canceled check attached ) ; Provided Webster Bank proof of coverage on XX/XX/XXXX ( copy of email communication to Webster Bank attached ) ; Webster Bank  disbursed from the escrow account in connection with my mortgage forced placement of an additional flood insurance policy for {$2200.00} ( mortgage statement attached ).
Consumer complaint received 2024-04-22
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. (AL)

I requested that the company send me proof of each alleged collection that is reporting onto my credit report. It has been over XXXX days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently XXXX ( XXXX ) collection account showing on my account : XXXX. XXXX XXXX XXXX. 

I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN this companies obtained these accounts from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that XXXX XXXX XXXX is licensed to collect in my state, with this company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Synovus Bank (PA)

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course I couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I am so shocked to see the huge interest charged on the loan. The {$1500.00} loan was opened on XX/XX/2023. Today XX/XX/2023, I checked the account. It said that the outstanding balance is {$1700.00}. The interest is already {$270.00}. It's so ridiculous because it was advertised that it was a government loan so it had 0 % APR. I didn't know about this unexpected high interest. I kept calling to the company to ask them about it. However no one answer my phone. I felt like I got rid off by the fraud advertisement and contract.