davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft TOYOTA MTR Account Number : XXXXXXXX This is not mine.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have consistently made XXXX  payments on XXXX  and never missed a XXXX, so this situation is causing XXXX  distress. XXXX  struggling with the inaccuracy on XXXX XXXX which is affecting XXXX XXXX. I urgently request that XXXX correct the late XXXX  error and update XXXX XXXX as soon as possible.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

Lender refuses to honor my request to remove PMI from my mortgage. In reviewing the Homeownes Protection Act of XXXX I meet two qualifications for removal 1. The signed PMI disclosure for my loan contains XX/XX/XXXX, as the anticipated 80 % LTV date.

2. An appraisal conducted on XX/XX/XXXX, by the lender showed a 80.1 % value. The value is now less than 80 % LTV based on this valuation and principal payments made since the apprasial Lender responded to my written request with a denial letter stating investor guidelines require 75 % LTV before PMI requirements are removed from my loan ; this is contrary to the signed PMI discusure. Multiple requests for additional information from the lender have failed to produce a copy of this guideline. Further, CFPB bulletin XXXX states that the HPA prohibits lenders from applying investor guidelines that restrict a borrowers ability to request removal of PMI when 80 % LTV is actually achieved or at time the estimated 80 % LTV date in the PMI disclosure is reached.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-12-08
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I asked them several times last year to close the account. I even filed two complaints against them with CFPB then. I am now getting statements for the account again. It is open and lists a credit limit of {$8700.00}. I wanted the account closed because CITI Cards is a criminal organization, having stolen XXXX  of dollars from me by failing to uphold their duty to protect me from fraud. Leaving the account open subjects me to the danger of further fraudulent activity on my account, which clearly they would not protect me from. Please convince these criminals to close the account.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CT)

I started investing inXXXX XXXX for XXXX and bitcoin with a private investor and I can't get my money back after several transactions and trying to pay taxes on my investment. I can only contact them through XXXX  on the XXXX  XXXX. I can't get a paper statement in my investor keeps telling me that I don't trust her.And she also invested in XXXX XXXX supposedly that I don't know if it really happened.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-07-28
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. (OH)

I sent a letter out on XX/XX/XXXX. XXXX to XXXX, XXXX and Equifax. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense.

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents.

I spoke with an agent named XXXX  at XXXX  on XXXX  who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.
Consumer complaint received 2023-12-28
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)

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. XXXX and Experian, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, XXXX and Experian, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure. 

In direct violation of 15 USC 1681C ( a ) ( 5 ), XXXX and Experian are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and Experian appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services. 


Account Name XXXX XXXXXXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXX 
Account Name XXXX. Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number. XXXX
Consumer complaint received 2024-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (GA)

There is a pending underwriting review for a new mortgage assistance application that has been assigned underwriting review since XX/XX/year>. We have yet to receive any communication and have made multiple attempts to call XXXX to speak with the mortgage assistance team. Each phone call forwards to a voicemail for an agent named XXXX. Although a voicemail has been left by both myself and the primary borrower we do have not received a call back to be able to obtain information about the status of our review. I attempted calling to reach a customer service agent but was transferred to the same line that went to voicemail. We have been struggling to to get in contact with PHH to get information about the current review and I am not sure if it is retaliation for filing the previous complaint.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-09-12
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. (TX)

This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. 

As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. 

Thank you for your immediate attention. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
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. (IN)

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 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Paypal is engaging in predatory lending. I have XX/XX/XXXX and since I paid 2 days late, they are charging a {$41.00} late fee. This is predatory and CFPB needs to address
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

no idea of any new company, i was sick with XXXX for a year and a half and all these accounts pop up ast Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-04-11
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)

EXPERIAN NOT TAKING MY CASE SERIOUSLY, ASKING FOR THE SAME INFORMATION PREVIOUSLY PROVIDED ATTACHED AGAIN : TWO LETTERS ID PROOF UTILITY BILL ID THEFT REPORT FTC FRAUD REPORT
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-12
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)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.

My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Consumer complaint received 2023-04-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (CA)

Chrysler Capital (acct# XXXX) $XXXX
XXXX XXXX XXXX XXXX XXXX TX 76161

Contacted via email and phone calls multiple times.
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the Transunion and XXXX  credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the XXXX and Transunion were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc. (IL)

There is currently a student loan account reporting in error on my credit report with FM/Firstmark Serviced XXXX . I spoke with the student loan company and informed them of the error. They told me it was nothing they could do to resolve my concerns because the incorrect information showing was not reporting from them.
Consumer complaint received 2018-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

My HELOC was apparently sold by GMAC to OCWEN. A lien placed on my property and I and the title company that is working with my request for refinancing can not locate anyone to make payments to or otherwise clear the lien. 
Moreover I was told the true name of that lien holder was XXXX. 
This all occurred inXX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.