davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (NV)

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 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 2021-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a debt validation letter and method of verification letter to Equifax on XX/XX/2021 and never received any communication in regards to my letter. I then sent another letter XX/XX/2021 as a second attempt to get information verified or deleted from my credit report. The bureau states that the accounts were verified as accurate prior to me disputing but never sent the requested documents to me as proof. They are in violation of the FCRA
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

The original contract said I would not be charged interest for six months, but they charged me all along. Then, when I closed the account the charged me a lump sum of interest over XXXX dollars. The interest charge was only suppose to be at 14 % apr. but its 24 %. I have complained to the company but they say there is nothing they can do.
Consumer complaint received 2022-12-04
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: Bread Financial Holdings, Inc. (CA)

Hard credit inquiry on my credit reports on XX/XX/22. I did not give them permission to run my credit, and my credit score has gone down. I want this removed and for the company to provide me with how they obtained my personal information.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2022-12-07
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Transunion credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnon is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Consumer complaint received 2023-03-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a XXXX of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.
Consumer complaint received 2023-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I got a notice from my XXXX account that someone put in a request for funds for {$1300.00}. Request from XXXX XXXX XXXX. XXXX XXXX. If you don't recognize this call XXXX at XXXX ( this number was fraudulent ). They said they would credit me {$1400.00} and had me open a window from there they somehow got access to my savings account and made a transfer of {$14000.00} to my checking. Saying I owed them the money back in making an amount of refund error, I was instructed to make a cash withdrawal and go to the ATM to deposit the refund to them ( YES, I WILL REFUND YOU MY MONEY! ) Fortunately I caught the error and closed XXXX blocked my checking and savings accounts and opened new ones. How did they get to my personal banking information so easily???? Why isn't there better security? My bank is Santander. This will be my question to them tomorrow. 
Additional name in the transaction was XXXX XXXX ( probably fake ) and his number XXXX. As soon as I said this was fraud and was calling the police and reporting- he immediately disconnected the call.
Consumer complaint received 2023-08-20
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: I.C. System, Inc. (WI)

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-23
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the account with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the bank and they agreed to not report the account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth Financial XXXX, located in XXXX XXXX Pennsylvania, created an account on XX/XX/XXXX, in my name, referencing a {$790.00} medical debt originated by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Commonwealth Financial XXXX  opened a collections account, also in my name, declaring that this account was in default. This information was then sent to all three credit bureaus thereby negatively impacting my credit report. I learned of this from my identity monitoring services, even though all three credit bureaus posted the information on my report as correct. I have never received any notifications, in regards to this, from Commonwealth Financial XXXX. This alleged medical debt is six years old and is beyond Virginia 's 5 year statute of limitations. That makes this appear to be a fraudulent attempt at collecting an expired alleged medical debt. I unsuccessfully reached out to XXXX XXXX XXXX XXXX using the many different phone numbers listed for them online but they are unreachable or no longer in business. I also sent a certified dispute letter with receipt request to Commonwealth Financial XXXX. I informed them of the expired nature of the alleged medical debt, according to Virginia 's statute of limitations. I also pointed out the illegal nature of their actions and to only contact me in writing to inform me of their termination of this alleged medical debt collection attempt.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (SC)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 


Also they responded wit a little. I sent them a letter wit a copy of the paper that was sent to me in which gon na attach it here as well
Consumer complaint received 2022-12-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$760.00}
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORGAN STANLEY & CO. LLC (CA)

To whom it may concern, My fianc and I were applying for a home mortgage loan through Morgan Stanley XXXX XXXX XXXX # XXXX ). We were told by our loan officer, XXXX XXXX ( XXXX # XXXX ) that our mortgage loan agreement would need a 20 % down payment with an interest rate 5.3 % ( locked until XX/XX/XXXX ). This was stated on the loan contract ( attached ), signed XX/XX/XXXX. 

We had entered escrow and were getting ready to close when XXXX XXXX ( XXXX # XXXX ) called us and said that upon reviewing the appraisal they had to change the terms of the loan agreement. They now wanted a 25 % down payment and the interest rate would be increased to 5.8 % ( see attached screenshot of emails ). 

The appraisal ( see attached appraisal, parts 1 & 2 ) of the home shows it is worth {$670000.00}, which is the sale price. The reason she cited for the increase for down payment and rate increase was the zip code of the home. She said that after further review they determined that the zip code was in a declining neighborhood and did not feel that it would appreciate as much as other zip codes. There is nothing wrong with the home and nothing on the appraisal which indicated that the price of the home would depreciate because of the zip code. 

Other lenders who I have explained my situation to say they have never heard of changing the terms of a loan after it has been signed because of the zip code. I feel the reason they provided to change the terms of the loan was not valid and were trying to find a way to get out of the loan after it had been signed. While looking for other lenders, I explained my situation to many who said that the loan officer probably underquoted us and is now trying to cover themselves because the reason they provided for changing the terms of the loan was ridiculous. I believe there may be a pattern of unscrupulous business practices and predatory lending by deceiving potential lenders with a low rate and changing the terms after the contract has been signed.

The actions taken by Morgan Stanley have caused my fianc and I to suffer greatly. We have had to scramble to find a new lender and risk losing our deposit with escrow which has created unnecessary emotional turmoil in an already stressful process. I am filing a complaint to ask for guidance let others know about these predatory practices. 

Please do not hesitate to contact me if you need more information. Thank you in advance for looking into this matter.
Consumer complaint received 2022-12-23
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. (NJ)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Consumer complaint received 2022-12-23
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. (NJ)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Consumer complaint received 2022-12-22
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)

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.