davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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. (PA)

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. 

The following accounts have violated my rights : 1. XXXX XXXX Account XXXX : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (MD)

The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. Thank you.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, No financial institution is not supposed to share my personal information to third party people. These are clear violation of my federally protected consumer rights.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/XXXX, I purchased a conventional loan through Quicken Loan, the loan was purchased by XXXX. I applied and was given a loan foreberance through XX/XX/XXXX. 
I asked Quicken Loans to verify I had enough funds in my escrow account to cover taxes and insurance during this period, and provide a vehicle to make payment directly into my escrow account to ensure taxes and insurance are covered during the foreberance period. 

To date Quicken Loans now my loan servicer will not provide any answer in regards to my escrow account, if enough fund are avaiable to cover taxes and insurance and had blocked me from making direct online payment into my escrow account.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, 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. (FL)

There is a credit account (   XXXX   XXXX   ) that is missing on my Equifax credit report. I contacted Equifax several times to correct this problem.   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NE,  XXXX  need to be included on my credit report. This credit was opened in  XXXX /2017. The credit stated that they sent the account information to Equifax but Equifax refuse to add this credit to my report. I would like this creditor added immediately.
Consumer complaint received 2023-02-08
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. (VA)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

I HAD AN ACCOUNT OPEN AND CLOSED IN XXXX OF XXXX AND I CALLED IN TO REQUEST THE STATEMENT OF THIS ACCOUNT FOR THE MONTH OF XX/XX/ AS I AM DOING A MINOR AUDIT OF MY ALL MY CURRENT AND PREVIOUS ACCOUNTS AND WAS TOLD THEY DONT HAVE ACCESS TO THIS BECAUSE MY ACCOUNT WAS CLOSED AND ALL THEY WILL SEND ME IS A PAY OFF LETTER HOW CAN I FULLY DO AN AUDIT IF THEY REFUSE TO SEND ME MY RECORDS. WHEN CLEARLY IM WITH IN THE 7 YEAR PERIOD.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 2023-01-02
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. (GA)

On XX/XX/2022 You all are not stating how you are verifying the information and if indeed the information is accurate as know documentation has been shown as proof. I need this information corrected immediately as these accounts are inaccurate. 
I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have no recollection of which made me reach out to you all. 


Are you familiar with 15 U.S.C. Sec. 1681 ( a )? It states if you cant provide proof, these accounts must be DELETED. Well, I want these accounts DELETED if they are not a 100 percent right or correct. So, could you please check on these and get back with me? My lawyer stated that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I XXXX XXXX, have been disputing inquiries that are fraudulent on my Equifax and XXXX credit report that they fail to open investigations on and notify me of the dispute status and the results. This is my last CFPB follow up before I attempt to litigate these accounts and sue in Federal Court for the wrongdoings of these credit bureaus they believe that they are above the law! and can have no regard for my consumer rights! These inquiries must be removed from my Equifax credit report XXXXXXXX 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. These inquiries must be removed from my XXXX credit report 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 XXXXXX/XX/XXXX. They have failed to answer how they verified the accuracy of these inquiries as I never had any dealings with these companies regarding credit transactions. So this is my last dispute with the CFPB before I have to escalate matters.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Consumer complaint received 2017-07-15
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: Experian Information Solutions Inc. (FL)

I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Consumer complaint received 2023-07-11
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. (NC)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2023-05-19
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: NAVY FEDERAL CREDIT UNION (AL)

In accordance with the fair credit reporting act Navy Federal has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan for late purpose.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-11
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. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (MD)

I contacted HFS Financial after a Internet Search, '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX .I completed the On-Line Application.And I spoke to a XXXX XXXX XXXX.After checking XXXX XXXX XXXX, XXXX XXXX informed by XXXX  that I was Pre-approved for $ XXXX was told to upload a list of documents to the Portal.The Portal never allowed the documents to be uploaded.I made several calls to XXXX XXXX XXXX XXXX XXXXoan Processor ) XXXX XXXX stated that She would have XXXX look into the problem.I was informed by XXXX  that they have never encountered the problem.And therefore they did not know how to fix the problem.She then suggested that I forward all requested information to her by XXXX was re-assured that all information was secured since HFS was a Financial Institution.I later XXXX a email stating that my Birthdate and Address were listed differently on my XXXX Credit Report.I contacted Equifax.And both were corrected.I contacted HFS Financial and spoke to XXXX XXXX XXXX XXXX stated that he would XXXX XXXX a link to re-apply.The link that was forward would not allow me to re-apply.Multiple calls were made to XXXX.He did not respond.It appeared that my Cell Phone was blocked.When I finally reached him on a landline.XXXX  stated that I should look for alternative financing for my XXXX XXXX XXXXSince submitting my information to HFS Financial, I have been notified by the Credit Bureau of numerous attempts by unauthorized individuals to apply for XXXX using my information.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Over 1 year after purchasing my leased Toyota vehicle, Toyota Financial Service is demanding payment for past personal property/excise taxes. Toyota Financial Services sent me 3 separate bills with no invoice, breakdown or justification for the amounts, only boiler plate verbiage that offers no reasonable explanation as to how they came up with the amount they claim I owe. They are demanding {$97.00}, {$98.00} and {$190.00} totaling {$380.00} and have threatened to forward to a Collection Agency. I called Toyota Financial Services to understand how they came up with each dollar amount, especially after I purchased my leased vehicle and terminated the lease in XX/XX/2022. Toyota informed me that they could not give me a justification or breakdown of each bill and that I would need to research that on my own. After complaining about the amount I owed, they suddenly demanded payment of an additional {$640.00}, again without any justification. I have not received a letter or bill for the additional {$640.00}, yet they are demanding payment for an amount I have never been notified or been given any type of notice. Again, threatening to forward to a Collection Agency regarding a bill Ive never received. Because I had the audacity to question their billing methods and reasoning behind their threatening letter, my bill now is supposedly {$1000.00}. Again, without any explanation or even a bill or notice, Toyota Financial Services is an enormous corporation that has the power to bully and extort its customers and ruin their credit history without due diligence or offering any reasonable explanation for their demands. This behavior is unconscionable and is tantamount to blackmail. Again, this feels like corporate extortion from a massive global company preying on its ( formerly loyal ) customers.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (GA)

The Money Source Mortgage Company is my mortgage provider. 

I applied for mortgage assistance XXXX, XXXX. Today XX/XX/XXXX they still have not processed my application and are now saying i need to submit a new application. 

I applied for mortgage assistance because I was going to be off of work for an extended period of time XX/XX/XXXX, XXXX XXXX XXXX. I needed time off because of burnout from working as a XXXX  during XXXX. I originally had a start date of XXXX XXXX that was a verbal agreement. I was informed before XXXX that they no longer had any positions open. I went through my agency to find a new position, but onboarding for XXXX  takes a long time and I havent started my new position yet. 

I get several calls a week from the mortgage servicer to tell me that they have my application but it will still be another 30-45 days to process. This has been going on for 2 months. Today, someone named XXXX called and said they need verification of my income to process the application, when its been made clear from the initial application and further letters of explanation that I currently do not have an income. 

Each month its stating Im missing a payment and ruining my credit score. I cant lose my house because if I do I will lose any ability to house my child. I feel like Im being strung along by jthem so that I do eventually lose my house. 

Im currently trying to sell my house so that I dont lose it, but I dont want to sell my house. Ive put so much work and money into it and Ill get next to nothing if I sell.
Consumer complaint received 2022-09-11
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: Resurgent Capital Services L.P. (IL)

I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.
Consumer complaint received 2023-05-19
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. (IL)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.