davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I previously sent two update letters to XXXX, XXXX, and Equifax to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I went into my banking app to see how much I received from my paycheck, only to find out that Capital One closed my checking account without my authorization or any notice whatsoever. My funds are still in there and when I attempt to transfer my funds to my other bank account, it does not allow me to. I called the customer service of Capital One to complain and ask why my account was closed, and they refused to give me any information on why, or any info on what the timeframe would be on when I would recieve my money back. There is XXXX $ in that account, which is all I have to my name and now do not have any way to buy groceries, pay my car payment, or do anything else. They have given me zero access to MY money that I earned and will not tell me when I will get it back. I literally don't know what to do from here except file this complaint. They should not be allowed to do this and I want them to give me my money.
Consumer complaint received 2023-03-10
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. (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 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.
Consumer complaint received 2023-03-10
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-03-10
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)

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 XXXX  Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me. 

+ Associate US DEPT. OF EDUCATIO | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2023-02-09
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: Source Receivables Management LLC (MI)

Source, receivables management Account XXXX XXXX This company is in violation of my rights and this account should be removed immediately Receivables performance management 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 an account without my written instructions. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2020-09-29
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. (IL)

XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me.

+ Associate US DEPT. OF EDUCATIO XXXX XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan of XXXX, Louisiana, calls me at least 3 - 4 times a week to try to force me to : 1 ). Make double payments, or 2 ). Refinance my loan I can only pay {$240.00} by the XXXX of each month.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX SC XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX and XXXX more XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this reporting account : XXXX XXXX XXXXXXXX Balance : {$21000.00} This complaint is my follow-up attempt to ensure that the listed account is verified ASAP.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Due to Navy Federal sluggish response and reluctant to provide in writing outstanding documents needed to process my mortgage loan in a timely manner I incurred additional cost. The appraisal was received on XXXX, while a request for renovated garage documentation was received on XXXX. A total of 5 Business Days after the appraisal was received and uploaded to my file. I then requested that underwriting decision be provided in writing as a disclosure so I can forward the request to a third party ( seller ). It took Navy Federal an additional 5 Business Days to provide a denial in writing showing the loan was not approval based on collateral. Once the loan was denied on XXXX, the seller amended the purchase contract and proceeded with obtaining a permit for the renovated garage. I called and left a message with mortgage banker on XXXX for appeal process. Also called the contact center an additional two times on XXXX for any information on the appeal process. Mortgage banker returned my call on XXXX, at that time forward the amended purchase contract and confirmation of the permit application in process on XXXX. Mortgage banker called with update on XXXX that a written XXXX  for a appeal is needed to move forwarded. Email XXXX provided on XXXX.Appeal was accepted on XXXX and loan sent for Final Review on XXXX XXXX received on XXXX, final cd and closing instructions sent to title on XXXX. Final CD disclosed at XXXX on XXXX for closing on XXXX. As evident in the timeline, all request were received from me in a timely manner. While on multiple occasions Navy Federal took several business days that wasted valuable time.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (SC)

I am trying to pay my Roundpoint Mortgage XXXX payment before the XX/XX/23 deadline. 

Roundpoint Mortgage has a bank account number on file for me that is incorrect. I want to pay by bank transfer, but on their website, they block me from changing which bank account number I want draw from. They give no option for changing the account number. 

In addition, Roundpoint Mortgage uses a telephone system that gives no option for speaking to an operator/technician. Also, the phone system does not have an option for changing the bank account for my on-line draw. 

I believe that Roundpoint is blocking access to me so that I will be late and they can charge a late fee. 

Can you help me get access to their offices so that I can change this bank account number for the draw?
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 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 These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (PA)

Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} FST XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX