davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (GA)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove
Consumer complaint received 2023-04-18
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On the XXXX of XX/XX/XXXX I filed a dispute for equifax reporting false information. XXXX is showing 2 late payments when I have never had a late payment they are saying it is verified but there is inaccurate info being reported. I have not done business with XXXX until XXXX. A random late fee from XXXX that doesnt belong to my account and needs to be removed.
Consumer complaint received 2023-05-29
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. (OH)

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-29
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. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-04-18
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. (NC)

This is XXXX XXXX and I am submitting another CFPB Complaint to express my strong objection to the fraudulent items on my credit report, and I demand their immediate and unconditional removal from it. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the credit bureaus ' responsibility to ensure that the information they report is accurate. The presence of these fraudulent items on my credit report is causing significant harm to my creditworthiness, and I urge you to rectify this situation without any further delay. I want to make it clear that I have already reported this fraudulent activity to the relevant authorities and have provided all the necessary documentation to prove that these items are fraudulent. I have also requested the creditors responsible for these fraudulent accounts to investigate the matter and remove them from my credit report. However, despite these efforts, these fraudulent items are still showing up on my credit report, causing me extreme frustration and financial hardship. I need the following items removed as soon as possible : XXXX  XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$120000.00}. This is a blatant violation of my rights under the FCRA, and I demand that you take immediate action to remove these fraudulent items from my credit report. Furthermore, I expect written confirmation of the removal from you.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We sent the Loan pay off by wire transfer on XXXX early in the morning, 2 days after they didn't credit the account yet and refuse to inform where are the funds sent to pay off the Loan.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

My experience with Amerisave in XX/XX/XXXX was eerily similar to the bait-and-switch mortgage lending practices that the CFPB identified in its XXXX Enforcement Actions against Amerisave. 

1 ) I was " promised '' a low interest rate on my mortgage loan ( my mortgage loan officer was XXXX XXXX and loan # was XXXX ) that later become unavailable without adequate explanation at the time I attempted to lock the rate. When I pushed back on the " bait and switch '', I was subsequently re-assured that the originally promised lower rate would be made available to me but that promise never was fulfilled by AmeriSave 2 ) AmeriSave locked me in with costly up-front fees, in my case I was charged {$550.00} for an appraisal prior to ever sending or delivering a Loan Estimate to me ( and this is despite XXXX XXXX attempting to document otherwise which I subsequently was able to show XXXX XXXX why Mr. XXXX was incorrect ) ; when I attempted to contact the company for a refund, my reach outs were ignored ( by XXXX XXXX ) and not responded to until I opened up a dispute with my credit card company and escalated my concern to senior management ( XXXX XXXX ) at which time, after much frustration and time spent, I was able to recover the improperly charged " pre-payment '' amount of the appraisal fee 3 ) While I had hoped to close this loan with Amerisave, I ultimately requested that the company withdraw my loan application and yet AmeriSave stated to me that it had instead unilaterally chosen to deny my loan application but without any explanation as to the exact reasons why -- and I also never received a written adverse action letter or other similar correspondence from Amerisave regarding their decisioning on my loan application. Meanwhile, I inexplicably continued to receive " Urgent Request '' emails from Mr. XXXX and AmeriSave requesting that I provide information on my loan application which others at AmerSave at the same time were trying to persuade me that AmeriSave, without my knowledge, had previously been denied without me ever speaking to Mr. XXXX or anyone else at AmeriSave to try to correct their underwriting errors. 

4 ) I discussed these concerns above as well as an extensive list of additional disappointments and poor customer experiences, ranging from numerous failures by Mr. XXXX to contact me to resolve the erroneous underwriting decision on my loan application from XX/XX/XXXX to XX/XX/XXXX ( I subsequently went to two other lenders who approved me on the same property and loan application using XXXX XXXX XXXX and explained that the AmeriSave underwriters failed to calculate certain sources of my income properly ) to Mr. XXXX remarkably failing to ever follow-up with me on my request for compensation in resolution of my issues and poor customer experience with AmeriSave after we spoke for nearly 90 minutes on XX/XX/XXXX.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-02
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. (GA)

XXXX, TRANSUNION, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.
Consumer complaint received 2023-04-18
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-02-02
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 2016-07-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

In XXXX XXXX our mortgage was sold to another provider. We were never notified of this change. Our new provider, Nationstar, sent this this information to our old address in another state even though the loan stated our current address. We continued making payments to the old provider who was forwarding our payment to Nationstar without my knowledge. In XXXX XXXX, the old provider stopped forwarding my payments and just cashed my checks. This caused me to be 2 months later with my new mortgage provider who sent me to collections and placed negative information on my credit reports erroneously. An investigation between the two service providers determined that I was never late on my payments and the money was sent to the new provider which brought my account current. However the negative information is still on my credit report and I am having difficulty refinancing my home.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (AL)

I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have been in pure XXXX due to the fact XXXX XXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX XXXX  i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as two left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (GA)

My mortgage was just recently sold to Planet Lending in XXXX, I believe, after I refinanced with XXXX XXXX. My payment was XXXX. XXXX may have been the first payment with Planet Lending. The payment was XXXX. In XXXX it was XXXX and now it's XXXX. What is going on with my payments?? It's changing without any explanation. When I called to make sense of what possibly could have been estimated almost $ XXXX incorrectly, I was told the escrow estimate had not been done and wouldn't be done until XXXX. So, why did my payment increase like that? After 23 years of owning a home, I've never experienced that type of escrow adjustment and with no explanation. This has to be an error or someone's huge mistake. While this payment is not creating a hardship, I agreed to a certain payment. {$240.00} more is not what I signed up for and I want this corrected but received zero information or assistance when I called the company.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
Consumer complaint received 2024-02-29
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. (IL)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to  stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
Consumer complaint received 2023-05-24
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. (MO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my 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 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 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WA)

TARGET MASTER CARD FRAUDULENT CHARGES. FAXED INFORMATION ON XX/XX/2023 RECEIVED LETTER TODAY THAT STATES I WILL BE CHARGED BECAUSE THEY CALLED AND SENT LETTERS AND I DIDN'T RESPOND. WHICH IS PATENTLY UNTRUE
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CA)

American Adjustment Bureau is collecting a debt for XXXX creditor, XXXX XXXX XXXX. What they 've done is created XXXX individual collection accounts for XXXX creditor to create the appearance of many negative debt data points. All accounts started by AAB on XXXX/XXXX/2010, with XXXX additional XXXX on XXXX/XXXX/2010. Original debt was re-aged by AAB from original debt. Contacted XXXX, requesting verification and consolidating the accounts under XXXX record, but was ignored.