davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  XXXX .
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (IL)

I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor   XXXX   XXXX   seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.
Consumer complaint received 2023-06-16
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. (TN)

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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-07-18
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. (FL)

I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my TransUnion report and  XXXX  on my   XXXX   report. I have attempted numerous times to dispute these   XXXX   items  XXXX  with the credit bureaus and directly with the creditors. I have spoken with  XXXX  companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies wa s  XX/XX/17  a nd I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/year>. I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has XXXX revolving accounts on my current credit file. It was changed sometime during last year. When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore. These accounts are missing from the Equifax credit report : Missing Accounts Bank Name - XXXX Account Number - XXXX Account Opened- XX/XX/year>
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This formal complaint regarding the inaccurate and incomplete information present on my Credit Report. 
XXXXXXXX XXXX XXXX XXXXXXXX. 
While I acknowledge that errors can occur, the inaccuracies provided by your agency could potentially result in increased interest rates for me, adding unnecessary financial burden. Given my current financial commitments, this is a matter of concern. 

I kindly request that you investigate the following information and take appropriate action to either remove it entirely or provide me with the documentation used to include it in my report.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (FL)

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
Consumer complaint received 2023-06-16
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. (TN)

This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Experian credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2024-04-01
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. (CA)

I recently obtained a copy of my credit report and noticed discrepancies. As per the information I've received, it's necessary to authenticate any inaccuracies. The following items/accounts require verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX. 

Kindly conduct an investigation into the accounts I've specified and send me the results via mail. According to online sources, this process should be completed within 30 days, hence I'll await your response within that timeframe.
Consumer complaint received 2019-11-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp (FL)

I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( XXXX XXXX XXXX ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

You are reporting a account named XXXX I asked to send proof of this alleged account being mine and have yet received any documents .You are furnishing a bad account upon my name and is defaming my character and puttung a habdicap on numerous tjings im trying to acquire. 

pursuant to 15 usc1681a4 you did not insure that this information is accurate and you did not exercise your grave responsibility with dair and impartiality..YOU TOOK ONE SIDE OF THE STORYand never consulted wuth me to find out if this transaction event took place.As a result of this privacy was breached and violated my right to privacy.

pursuant to 15 usc 1681a3 your company assumed this role.You were not given express permission by me the consumer or a competent court of jurisdiction .So, not only did you fail the initial investigation of this information.You also assumed this role and assumed this information was valid.Which is violation of my consumer rights. 

DO NOT SEND A MESSAGE TO SEND YOU ANY SUPPORTING DOCUMENT I DO NOT HAVE TO SEND YOU ANYTHING YOU HAVE ENOUGH INFORMATION YOU DID NOT ASK FOR MY INFO WHEN REPORTING IT THE FIRST TIME DO NOT STALL TO DELETE THIS ASAP YOU HAVE 15 DAYS UPON RECEIVING THIS MESSAGE.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-01
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. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 
The following outdated addresses should be removed from my credit report : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe that the presence of these obsolete addresses do not serve any legitimate purpose and may lead to potential confusion or unauthorized use. I kindly request that these outdated addresses removed from my credit report, and that any future consumer reports issued by your agency do not include this information. I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (TN)

Hello! I took out an online loan because I was having financial difficulties. I did a XXXX search and came across an XXXX XXXX website called Uprova.com the interest rate is over 500 % on a {$1000.00} loan. The payments are {$450.00} a month for 9 months. Upon research this XXXX XXXX has been involved in numerous lawsuits about illegal loans given. The website wont even work properly and I havent been able to see my balance owed or anything since the day I received the loan. They continue to try to withdrawal my payment and they wont respond to my emails about their website being under maintenance for over a month. Im afraid after research this is an illegal loan and they are going to come after me for it.
Consumer complaint received 2024-04-01
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Consumer complaint received 2024-04-01
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. (TX)

According to the FCRA 15 USC 1681section 602a states " There is a need to insure that a consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I " am the consumer.I have the right to make my private information isn't being shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information '' XXXX acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX acct # XXXX the financial institution and the consumer reporting agencies Equifax, XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX acct # XXXX wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX acct XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states. " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 USC Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt outa at any time. " I ' am opting out of your reporting services. ''
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX