davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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. (AR)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : $ XXXX, XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$590.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (FL)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 it
em 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 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX),  I  have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time. 

I find this absolutely unacceptable and asked them to either XXXX  or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?
Consumer complaint received 2023-08-12
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Ive sent numerous letters to all XXXX credit reporting agencies about reporting XXXX repo 's on my credit report from XXXX XXXX and XXXX XXXX i did not give them any written consent to report these. As law 15 usc 1681a2 states.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge
Consumer complaint received 2023-08-12
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. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a matter of utmost importance concerning my credit report. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been egregiously violated by the following creditors : XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA XXXX XXXX ( a ) XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX | XX/XX/XXXXXXXX  Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Account Not Belonging to the Consumer Applicable Law : FCRA Section 611 ( a ) XXXX XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) These creditors have committed these violations, which have had a profoundly distressing impact on my life. Allow me to share a detailed and emotional personal story to illustrate the toll this situation has taken : I am writing to request the full enforcement of the FCRA and the removal of these unverified accounts from my credit report. These inaccuracies have not only compromised my financial well-being but have also had severe emotional and psychological consequences. I implore the CFPB to take swift and decisive action in rectifying these violations and holding the creditors accountable for their actions. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that my consumer rights are upheld. I also request that you communicate with the creditors involved and compel them to remove the inaccuracies and unverified accounts from my credit report without delay. 

Thank you for your attention to this matter. I look forward to a prompt resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/2024, I signed up for a UFB Direct Secure Savings account that came with a 5.25 % APY. On XX/XX/2024, I opened a UFB Direct Freedom Checking account. Opening the account offered the possibility of boosting that 5.25 % on the Secure Savings account by UP TO 0.20 % by completing one or more of 3 steps. Step 2, as listed, required {$5000.00} in direct deposits per month into the account, and it would boost the rate by 0.05 %. NOWHERE does/did it state that you have to complete ALL three steps to get any boost. Each step could be completed individually to be eligible for a boost. Now UFB Direct is denying me the boost of 0.05 % even though I deposited {$5000.00} in both XXXX and XXXX. I'm still just getting the 5.25 % on the Secure Savings account. 

UFB Freedom Checking - https : //www.ufbdirect.com/pages/checkingaccount Checking Designed to Boost Your Interest Rate Open a UFB Freedom Checking account and earn up to an additional 0.20 % Freedom Boost* on your UFB Savings or Money Market account. 

* UFB Freedom Checking is a non-interest-bearing account. To receive the additional 0.20 % Annual Percentage Yield ( APY ) on a UFB Savings or Money Market account owned by at least one owner of the checking account, you must complete the following : Receive monthly direct deposits totaling {$5000.00} or more. Once completed, you will earn your first 0.05 % rate bump and unlock the other interest-earning options. 
Earn an incremental Freedom Boost of 0.10 % on your corresponding savings or money market rate if your UFB Freedom checking average daily account balance exceeds {$10000.00} per month. 
Earn an incremental Freedom Boost of 0.05 % on your corresponding savings or money market rate by using your UFB Visa Debit Card for a total of 10 approved transactions per month ( min {$3.00} per transaction ). 

XXXX on XX/XX/2024 stated " I'm sorry about the confusion regarding the advertised boost. When setting up direct deposit into your checking account that totals a minimum of {$5000.00}, you will qualify for the boost of 0.05 %. However, this increase will not reflect under the account details section where your rate is listed as the actual account rate on the Savings account is 5.25 % APY. When requirement is satisfied, this increase will reflect in your monthly statement. '' Not true for either XXXX or XXXX. 

Now XXXX and XXXX are trying to tell me that I have to satisfy all three steps. As you can tell from the above, that is NOT what the website and the fine print states. 

I know UFB Direct is a subsidiary of Axos bank, which has shown very shady business practices in the past when I had accounts directly through them or through Nationwide.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau Representative, I am writing to file a formal complaint against Equifax regarding their failure to address unauthorized hard inquiries on my credit report. Despite my efforts to resolve this matter directly with Equifax, they have refused to investigate or remove the inquiries in question, instead directing me to contact the companies that made the inquiries. This response is unsatisfactory and does not comply with the Fair Credit Reporting Act ( FCRA ). 

Background : I reviewed my credit report from Equifax and noticed several inquiries that I did not authorize. According to the FCRA, a credit bureau is responsible for ensuring the accuracy and privacy of information contained in a consumers credit report. Specifically, the FCRA permits credit inquiries only for the following purposes : A firm offer of credit, Insurance, An application for employment, A court order. 

The inquiries I am disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifaxs Non-Compliance : In my initial dispute letter to Equifax, I explicitly stated that these inquiries were not related to any permissible purposes as outlined in the FCRA. I requested that Equifax investigate these inquiries and remove them from my credit report if they could not provide proper verification. The specific verifications I requested included : Name and title of the person who pulled my credit. 
Date they purport that I gave permission. 
Method by which they claim I gave permission, along with documentation of said permission. 
Despite this, Equifax directed me to contact the companies that made the inquiries, effectively shirking their responsibility under the FCRA. This lack of action on Equifaxs part is a clear violation of the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation if the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer.

15 U.S.C. 1681b : Limits the circumstances under which a consumer reporting agency may furnish a consumer report to permissible purposes.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My Student loans are paid in full. However, my student loans are as listed at transferred and possible negative on my one or more of my credit reports. Please remove the incorrect information regarding my student loans from my credit reports or correct the information as paid in full. Thank you.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from XX/XX/2021. Attached is the letter from XXXX XXXX XXXX XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.