davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (AZ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (NJ)

I noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (FL)

I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX equifax and XXXX regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Consumer complaint received 2024-04-02
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-24
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. (AZ)

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, 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 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Rocket Mortgage We had a previous mortgage with Rocket, they did not calculate our county, or city taxes into the loan for escrow, because of that we went through refinancing at a lower rate to avoid the increase to make up for escrow for taxes. 

During application for the new mortgage I asked many times, and was assured that all taxes would be calculated into the loan for escrow. When the city taxes were due, we found out that they left out the city taxes for escrow, and now claim it as a tax increase. This is not true, the amount they claim as a tax increase is actually the total amount for the city taxes.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-09-19
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. (KS)

Equifax and XXXX XXXX have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date. 

2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XXXX/XXXX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.
Consumer complaint received 2024-04-02
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. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Im filing this because XXXX  XXXX will not help during this time that Im going through a financial hardship, I lost my job and I cant make any payments, I have tried to call and get help but hung up on constantly, transferred, im very much struggling, im trying with every effort I can to get back in my feet and Im asking XXXX  XXXX to help and give me some help so I dont get behind I dont want to lose my XXXX  XXXX XXXX  or XXXX XXXX  , im sorry the company I worked for went out of business, I need assistance with my payments not fees that wont help, im trying to get work but it has been that hard for me, I really care about being a customer of XXXX XXXX Im just going through a hard time and want and need help.
Consumer complaint received 2023-07-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I realized my address and phone number were incorrect on my XXXX fXXXX anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a 3rd party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have a loan with Flagstar Bank. In early XXXX we had severe flooding in our area and our house was hit with 5 and 7 day power outages and wind damage. Flagstar offered us FEMA relief with a 3 month grace period on payments. At the end of the 3 month period they demanded payment in full of the three months of back payments. My wife works from home and when we didnt have power she couldnt work, and we were dealing damage to our barn and helping our horses that were stuck in mud and driving rain. When we couldnt make the back payments to catch up they dinged our credit with a 90 day missed payment, it dropped our credit score XXXX points. I was never told that the money would be due at the end of 3 months, this seems like deceptive practices. Especially because we had gotten Covid forebearance and they renegotiated our loan after that.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-11-29
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

After I reviewed my report on XXXX, I realized that the company was not making any changes, everything was being reviewed and wasnt changed and I discovered also on my status from cfpb my complaint was closed, please I need my complaint resolved immediately, all the late payments need to be deleted, because in 2019 the company has given us an extension for the issue payment and the government has given us also right to pay in the future, please I need my complaints resolved immediately.
Consumer complaint received 2023-08-03
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. (MO)

on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

Transunion nor XXXX has not deleted these incorrect items on my credit report file.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened checking and savings accounts with Navy Federal Credit Union XX/XX/2023. A few days after, I was informed by NFCU that XXXX XXXX XXXX alerted NFCU with regards to old XXXX XXXX XXXX account ending in XXXX. The XXXX XXXXXXXX XXXX checking account has a XXXX balance but was reported to XXXX XXXX XXXX for " Suspected Fraud Activity ''. 

It is this " Suspected Fraud Activity is why I have filed several complaints against XXXX XXXX XXXX for the " Suspected Fraud Activity '' for which there was no evidence of any fraudulent transactions. 

Bank XXXX XXXX 's response on XX/XX/2023, specifically notes that after careful review, there were no fraudulent transactions reported to Bank XXXX XXXX with regards to account ending in XXXX. This response is attached to this complaint. 

There is no legal or evidentiary reason for XXXX XXXXXXXX XXXX to use " Suspected Fraud Activity '' other than to cause harm to consumer.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-01-24
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)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-07-17
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: CL Holdings LLC (MI)

In accordance with the fair credit reporting act convergent Jefferson capital has violated my rights 15usc1681 section 602a stars I have a right to privacy also 15usc 1681 section 2 it also states a consumer reporting agency can not furnish a account without my written permission or instructions.
Consumer complaint received 2023-08-02
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. (NJ)

In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-02
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. (OH)

I have filed a dispute informing TRANSUNION that the reporting they have is incorrect and please correct. They have investigated and will not correct their issue. I have asked for a way to provide the proof and they state that mailing is the only way. But yet their website says one can upload docs. 

I have been given numbers to call and not having any luck.