davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Solutions LLC (FL)

XXXX XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested back on XX/XX/XXXX proof that shows this is my debt. My wallet and purse was stolen back in XXXX of XXXX. My social security, etc was all in my bag. So I dont think this is my collection and I reach out over several months ago and have no proof of anything that shows my signature or that these items belong to me. I didnt go to no hospital they billing me for.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I send a XXXX $ wire to XXXX XXXX XXXXXX/XX/year> to XXXX XXXX from my Citi bank checking account to make a trade I was scammed by XXXX XXXX I try getting my money back and they keep giving me empty responses I made a recall for the XXXX $ on XX/XX/year> my bank which is Citi bank made a horrible mistake and recalled XXXX XXXX but the wrong bank than we finally fix that and customer bank would not respond to my bank I put out a fraud investigation with XXXX XXXX fraud team and they didnt help either!!!
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: REGIONS FINANCIAL CORPORATION (MS)

Upon checking my credit report, I had a massive amount of unknown inquiries that I had no knowledge of. Once I found out about this I then put a lock on my social security number and started to reach out to some of these companies. I then realized that it would be a lengthy process because they gave me the run around. These inquiries are hurting my score as well as impeding my progress to furthering my family and myself financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I trust this letter finds you well. I am writing to address a matter of utmost concern regarding unauthorized hard inquiries on my Equifax credit report, which have come to my attention after a comprehensive review of my credit file. 

The following unauthorized hard inquiries were identified : XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a business account with Bank of America around 5 years ago. I completely paid off the account several times, but fell behind in payments around 2 years ago. Now, the bank alternately says that 1 ) the account is open, with a credit limit which increases with my payments, or that 2 ) the account is closed, and that there is no more credit for the account in spite of monthly " offsets '' from my personal checking account. In either event, I can not use the account, so for the last 2 years the bank has been charging me $ XXXX in fees for a functionally closed account.
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.
Consumer complaint received 2024-06-14
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. (PA)

FCRA 605B appears to require the deletion of incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are reported inaccurately, with wrong amounts and dates.
Consumer complaint received 2024-01-09
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. (NV)

I SUBMITTED A DISPUTE TO EQUIFAX REGARDING UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE COMPANY DID NOT DO A PROPER INVESTIGATION INTO MY DISPUTE AND I WOULD LIKE THE CFPB TO ENSURE AN ACCURATE AND FAIR INVESTIGATION IS COMPLETED INTO THE PERMISSIBLE PURPOSE OF THESE INQUIRIES. 

As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my credit score. 

I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section 604 of the FCRA. 

Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (ID)

Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a SYNCB/CC reported on XX/XX/ and then two SYNCB reported on XX/XX/ and XX/XX/. I had a report for a XXXX on XX/XX/. I had two reports from XXXX on XX/XX/ and then XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (WA)

The lender was supposed to start the mortgage 30+ days out. The lender left me with less than 30 days to start the loan/ for the first months mortgage. The loan closed on XX/XX/XXXX and my first loan to the mortgage is XX/XX/2024. 
The lender in their attempt to package the loan didn't allow me sufficient time to pay on the first payment.
Consumer complaint received 2024-02-19
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. (IL)

To Whom It May Concern, My name is XXXX XXXX, and I have recently become aware of several unauthorized accounts that have been opened in my name. Regrettably, this has occurred as a result of identity theft, and I have currently taken the necessary steps to rectify this situation. 


I have already submitted multiple disputes regarding these unauthorized accounts and have provided documentation to support my claim. This includes a copy of the police report that I filed following the discovery of fraudulent activity, as well as official identification documents to verify my current address. 


I kindly request that you take immediate action to remove the inaccuracies and damaged items from my credit file. It is essential that these issues are addressed promptly to prevent any further negative impact on my financial standing. I trust that you will prioritize this matter and proceed with the necessary steps to rectify the errors on my credit report. 


enclosed is a copy of my police identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 


Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have contacted Equifax by phone and letters concerning the issue. I noticed a high number of inquiries on my credit report and asked them to investigate. They said it would take 30 days, it has been beyond 30 days and I have had no response or proof of how the unauthorized inquires got on my credit report. This is against Fair Credit Reporting Act. I would like the inquiries below removed. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am sending this CFPB complaint to notify you that the 3 credit bureaus have engaged in unfair practices by providing inaccurate and misleading information. For that, I am filing a case against the 3 credit bureaus for vioalations of the Fair Credit Reporting Act or FCRA Section 605b. My accounts privacy has caused several emotional distress when I found those accounts that are still reported on my account. Kindly help me investighate this issue and these following accounts should be corrected immediately : XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$7900.00} XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX 150 AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as XXXX evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to bring to your immediate attention a critical matter regarding my credit report. Upon reviewing my credit report, I have identified fraudulent accounts that do not belong to me. I am formally disputing the presence of these unauthorized accounts and requesting their aggressive and immediate removal from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I have attached supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of your role in maintaining accurate and reliable credit information. Given the severity of this situation, I urge you to take swift and aggressive action in investigating and removing these fraudulent accounts from my credit report. 
These unauthorized entries must be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a cash deposit on XX/XX/XXXX of {$6800.00} at BOA atm machine inside the bank per representative recommendation since the line was long. In the middle of the transaction the atm machine crashed and stated out of order. No receipt was giving from the atm machine with the transaction. Informed the bank representative while the machine was out of service and she said to call and file a complaint. A provisional credit was giving on XX/XX/XXXX after claim was made on XX/XX/XXXX. Received a letter from the bank today XX/XX/XXXX denying claim stating no record of cash deposit at the atm. The transaction was done inside the bank and theres camera capturing the transaction, the phone call and I was waiting of 20 mins at that atm was out of service. Now Bank going to reverse the credit that will leave my bank account {$6800.00} short again. If they review the video they would see the transaction so why is the claim denied? Whats the next step I need to do without getting a lawyer involved? Or do I need to get a lawyer involve?
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a 1099c because The account was marked as a charge off they were to send me a 1099c and I have not received a 1099c, and if I don't receive the 1099c they filed within 15 days. and never received one via the mail or anything I will be filing a 3949a with the irs as that is considered tax fraud since I haven't received a 1099c. I would like this account removed from my credit report or furnish the 1099c. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have called and spoke to these financial institutions about the information ** XXXX XXXX XXXX** Bal- {$0.00} Dates- XXXX. XXXX XXXX. XXXX  They did nothing after I spoke to them **XXXX  XXXX XXXX** Bal- {$680.00}. 
Dates- XXXX. XXXX XXXX XXXX. They did nothing after I spoke to them **Capital One**. Bal- {$620.00} Dates- XXXX. XXXX XXXX XXXX. 
They did nothing after I spoke to them **XXXX XXXX XXXX**. Bal- {$1900.00}. 
Dates-?? - currently active. 
They did nothing after I spoke to them
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mr. Cooper Group Inc. (CA)

My name is XXXX XXXX. I am a victim of identity theft. My loan was transferred to Rushmore Servicing XX/XX/XXXX, from Rushmore Loan Management. My name has always been the only name on my loan account ( even though this loan is in XXXX XXXX XXXX ) .With access to only myself, and not any 3rd party. I have contacted Rushmore Servicing to advise I am victim of identity theft, I contacted them : XX/XX/XXXX, XXXX, XXXX, and finally XXXX. Today I spoke with a member from the resolution department in Florida, after being transferred and re-directed a lot. A XXXX  party was added to my account without my permission or authorization. The XXXX party is my estrange spouse that I am in an active divorce with. His attorney XXXX XXXX, is pretending to be my attorney, and they both together have altered and changed my information on my loan account. Per Rushmore request, I have sent in written request to remove all parties from my account, both XXXX XXXX XXXX and XXXX XXXX. Rushmore is refusing to remove XXXX from my loan account. Until a decision is made from the XXXX XXXX California XXXX as to how to proceed with the property and/or XXXX XXXX XXXX assumes the loan , I am the only name on the account, with all my vital information, my credit and I make payments to this loan, no-one else. I have requested many times NOT to breach my information to anyone, change or alter my information on my account. My information has been breached, as a result I am now a victim of identity theft. Rushmore Servicing is not in compliance of customer protection of my personal information. 
I recently found out from Rushmore Servicing Loss Department, Mr. Cooper, XXXX XXXX XXXX system verified with my un-authorized information to gain access to ensure he remove my name from an insurance check ( {$11000.00} ), and changed my address to have that check go out without my name, putting only his name on the check and mailed to himself, later changed to his attorney address, pre-tending to be me and have my permission to make those changes ( then, became a XXXX party on the account ). Then, went on, Using my information to breach my bank accounts. After I brought this information that neither person is authorized on my account and to flag it, and do not send check out - until today, Rushmore would not listen to me. All this started with breach of my information. This is not right.