davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

When I took out my mortgage in   XXXX  , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank.  XXXX   XXXX  started a foreclosure against me even though I though I took out a loan with  XXXX    XXXX    XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

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. Kindly assist me in correcting this account : XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?
Consumer complaint received 2024-03-26
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. (CO)

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 2023-08-14
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In XXXX we had XXXX In our saving account in Wels Fargo bank and XXXX income per month. Because Mr. XXXX and I wanted to buy a condominiums for his old age with elevator and myself because of The age gap. I was much younger than him. so we filed an application for purchase loan loan with Wels Fargo was denied because of his age ageism and I was a woman. so we had to get loan from an XXXX  lender to purchase our property even with XXXX Savin in that bank and a good monthly annuity. 
We didn't do anything about it. But we know was discrimination. 

Then in XXXX Mr. XXXX started having memory issues and we needed to create a joint account so I could manage our finance in one account since he was not able to. our finances and mortgage and some mistakes and most importantly he wanted me to deal with them. 

we went to the XXXX XXXX Wels Fargo branch. We were insulted assaulted and accused and they literally detained Mr. XXXX for questioning him not letting him talk to me. XXXX XXXX interrogated him and me even with our marriage certificated they refuse to service us. Desperate We had to close our account and go to XXXX XXXX  to open an account and create a joint account. He was at the time at early stage of memory loss he was Still driving. so disturbed about the incident he started having XXXX  that they wanted to take him away from me and take our money. so he insisted that he wants to leave America. I had to assure him and not to let him see my tears. which Has caused me So much XX/XX/XXXX and XXXX since he has passed away in XXXX. I am seeing a XXXX  now. That incident has caused us so much financial damages and caused him pain and anguish and XXXX. And me to be humiliated threatened me to call the police on us. I need to let them know they abused my elderly husband discriminated us for loan and caused us so much pain and anguish. I am planning to file a lawsuit against them.
Consumer complaint received 2017-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, XXXX, EQUIFAX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, TRANSUNION, XXXX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I put in a dispute with XXXX because a excursion took our money and never came and pick us up for the excursion they never answer their phone XXXX had me on the line and could not reach the excursion people by phone either stated i should receive a refund within 72 hours never got it called back 72 hours later they stated it would take another 72 hours never received refund called back stated it will take to the end of the month never got a refund and they will not refund me my money back from XXXX but they couldnt reach them either but we still was not able to get my money back so then I went to chime my bank account and I tried to do a dispute with them they told me that the dispute they stated that the dispute will take 10 days and I waited 10 days I asked for an update never received an update and so when I finally called back a month later they told me it was gon na take 90 days and I still havent heard anything back from them
Consumer complaint received 2023-08-14
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

TIAA did a background check on me around XXXXXXXX XXXX. I was offered employment but later the offer was rescinded. I have been unemployed for over a year and its been difficult to make ends meet without income. I filed a dispute with the company TIAA used to pull my credit and background but the offer was still rejected.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (TX)

XXXX   XXXX   XXXX   XXXX ,  1. ) Filed a false claims on my credit report. and 2.  )  XXXX   XXXX   XXXX   XXXX , did n't respond to by letter dated  XXXX / XXXX /   17  received by  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /   17  disputing these bogus claims dated  XXXX / XXXX / 17 .
Consumer complaint received 2023-02-18
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. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-14
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. (TX)

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate and validate every piece of information and ensure everything was accurate '' on the accounts I have listed below. I also have attached the letters I sent out certified mail and here are the Tracking # 's. USPS Tracking : XXXX / XXXX / XXXX 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 interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on the accounts are still not reporting 100 % accurate. And according to the FCRA 15 U.S.C. 1681 everything has to be 100 % accurate. Also I have the credit report showing the inaccuracies. They also violated my rights 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report as well. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute the accuracy of information contained in my credit report as provided by Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature. Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies. This is fraudulent activity Creditor Name : XXXX
Consumer complaint received 2023-05-03
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. (NC)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-14
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks
Consumer complaint received 2021-05-24
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

On XXXX, in the XXXX XXXX https : XXXX XXXX XXXX XXXX, NY store XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX salesperson XXXX asked me to become a member of the store. She explained that this would result in a soft enquiry on my credit report ; after some questions she clarified that membership means a store credit card. I agreed, based on the understanding that it would not result in a hard credit enquiry. When Synchrony bank tried to confirm my identity on the phone, I asked them to confirm that it was soft credit enquiry. They confirmed it was a hard enquiry. I asked to stop the application, but Synchrony bank said the credit check has already been run at that point. 

XXXX, and her manager XXXX, confirmed that they understood the enquiry would result in a few points drop of credit score. They nevertheless called it a soft enquiry, claiming that that's what their training taught them to say.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.
Consumer complaint received 2018-02-19
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: STEWARD FINANCIAL SERVICES LLC (PA)

On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX