davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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. (MO)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report please removed this account from my report it's hurting my ability to obtain credit. 

UPDATE NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX Please. Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Experian and XXXX was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2022-04-20
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. (PA)

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 A 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 2023-09-27
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. (CA)

I want to file this complaint with EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 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 an account without my written instruction
Consumer complaint received 2023-09-27
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. (LA)

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete ALL
Consumer complaint received 2022-04-20
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GreenSky, LLC (FL)

GreenSky opened an account without my consent onXX/XX/XXXX based on services provided by an air conditioning company I had contacted for a quote. They offered financing through GreenSky but I did not agree on the price. Several weeks later I received information from GreenSky that I had been approved for a personal loan of {$10000.00} but the bill was {$16000.00}. I contacted Green Sky and provided information to a supervisor, XXXX XXXX that I did not agree to this charge and had not applied for it. She put the account in disputed status. I also sent a letter to this effect on XX/XX/XXXX.. On XX/XX/XXXX, I was notified by the compliance department of GreenSky that this was a valid charge according to the merchant and they were placing it back on my credit report. Until that time, the account was marked closed on my credit report, but since they are reinstating the line of credit and the bill, I filed an identity theft report to FTC and am notifying the credit reporting agencies of the identity theft.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CRED Technologies dba cred.ai (NJ)

On the XXXX of XXXX XXXX, I was informed via email about the closure of my cred.ai account. In pursuit of clarification, I promptly sent four emails that very day. On the subsequent day, the XXXX of XXXX, I dispatched a formal email, explicitly requesting a response within a 24-hour window. Regrettably, I received no correspondence in return. After the stipulated time had passed, I issued a follow-up email detailing my intentions going forward, which also went unanswered. 

Subsequently, I lodged an official complaint with the XXXX XXXX XXXX ( XXXX ). After a fortnight, they replied, claiming to have sent an email on the XXXX of XXXXXXXX XXXX However, I have no record of such communication. While they suggested I could seek information via a phone call, I emphasized, through the XXXX  my preference for a written explanation. As of now, I am yet to receive any form of communication from them.
Consumer complaint received 2024-03-26
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)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated rights. 


15, U.S.C 1681 Section 602 A states I have the 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 instruction.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

Ally has not yet gottem back to me they changed the payment due from over XXXX down to {$440.00} in late charges which is unfounded, I I find it disgusting that you allow them to drag thier heals and possibly reporting late payments that are errors on thier part
Consumer complaint received 2023-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (GA)

I purchased my condo a few years ago and since then its been sold 4-5 times. Each time, it's relatively smooth and issue free process. Mostly I just need to provide the new mortgage holder with a copy of the flood insurance certificate from my HOA as that does not transfer. 

My mortgage was sold again in XXXX of XXXX  to PHH mortgage, and this new mortgage company is the worst I've ever dealt with. 

First, they declared that my flood insurance was inadequate. None of the other 4-5 mortgage companies found my flood insurance to be inadequate. I contacted PHH in a timely manner and provide the flood insurance certificate multiple times, along with a cover letter in which I did the math and showed them that the coverage was sufficient. Their overseas agents did not know how to read the flood certificate and were only including the primary coverage while there is also an excess policy. Despite all this, they still purchased flood insurance using my escrow funds. 

I filed a complaint with the XXXX  and only after that did they cancel the policy and refund the amount. 

Fast forward late XXXX / early XX/XX/2023. I get a notice that my monthly payment increased 500 %. Yes, you read that right. They increased my monthly payment from around {$1000.00} to {$5100.00}. A mistake like this is unacceptable from such a large business, and I called PHH in a timely manner to let them know this needs to be fixed. 

While they fixed the payment amount, PHH is now charging me PMI in the amount of {$55.00} per month. After calling back, the representative stated that I need to pay PHH {$190.00} to request an appraisal to remove the PMI. 

This is ridiculous for multiple reasons. First, I have not paid PMI in years. One of my prior lenders removed PMI from my monthly payment as they found my loan to value to be below 78 %.

Second, based on the two most recent sales comps from my condo complex ( all units are the same square footage ), my loan to value is 49 %, give or take. 

Third, I have an email from PHH dated XX/XX/2023 in which theyre trying to sell me a cash out refi. In this email, they stated their estimate of the fair market value of my unit ( and the fine print indicates this estimate is indeed their own internal calculation ). Using this fair market value number gives me a loan to value of 57 %, still well below the 78 % threshold for PMI. Why are they starting to charge me PMI if their own internal calculation indicates Im well below the loan to value threshold? 

PHH needs to remove the PMI from my monthly payment, and refund any PMI that Ive already paid. 

As an aside, I believe PHH is trying to nickel and dime their customers due to mortgage sales being down and this behavior is shameful. They have already been sued by multiple state attorney generals and need to be more diligent and above board.
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} COMM XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$350.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (NC)

We have had to file a hardship due to circumstances beyond our control with  XXXX   XXXX   XXXX . We have informe d Avant that we are now under a no contact with them and directed the m to deal with the debt relief agency. Instead they are harassing us and continuing to call an unreasonable number of times. When we pick-up the phone, they hang-up. O n     XXXX - XXXX -2017  th ey called our home 5 times. To follow are the times of day they called on  XXXX / XXXX /   2017  :    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX   and  XXXX    XXXX  . On   XXXX / XXXX /20  17    they called our home 4 times  (  so far  ) . To follow are the times of day they called   XXXX   XXXX    / XXXX /2 017     :   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX  . My husband has a  XXXX   XXXX  and this is causing him   XXXX   XXXX  . They have also called my place of employment repeatedly. My caller ID on my phone only store s 30  calls, so I am unable to give anymore exact times of the calls, but this has been taking place since we informed them of our hardship and directed them to call the debt relief agency on on Saturd ay  XXXX / XXXX /2017.
Consumer complaint received 2023-09-27
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. (PA)

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