davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX/XXXX  account # 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 an account without my written instructions
Consumer complaint received 2022-03-17
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. (TX)

Equifax sadly has a reputation for delayed reporting. The impact to the consumer is brutal. My department of education account has not been updated since XX/XX/XXXX and it is XX/XX/XXXX. 

Department of Education / XXXX  Balance XXXX Last updated XX/XX/XXXX I have called over 7 times in 2 weeks ; spending 25-43 minutes per call in an effort to have Equifax report and update accurately and timely. The vendor has verified the update was provided and all other bureaus updated as of XX/XX/XXXX. I have been told an internal investigation was created only to learn on a follow up call that it was not. Conflicting in Equifax Internal complaint number filed XX/XX/XXXX case number XXXX
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (VA)

Someone from XXXX XXXX  ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. Two days later my credit monitor reported that XXXX XXXX  had done a query on my credit report which will impact my credit score. The person from XXXX XXXX  NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from XXXX XXXX  called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

XX/XX/XXXX : Freedom Mortgage made an erroneous payment in the amount of {$3700.00} for " Hazard Insurance '' for a policy unrelated to my mortgage or account in any way. According to Freedom 's representative, this disbursement was made in error and resulted in a negative escrow balance, subsequently creating an incomprehensible statement. Subsequently, Freedom asserted that my account was deficient by {$7400.00}, while I was at all times making regular mortgage payments and a single payment of over {$7000.00}. 

XX/XX/XXXX : A RESPA QWR was sent to Freedom Mortgage by my attorney, seeking an audit of my account and disputing the arrearages asserted by Freedom. Freedom subsequently sent an initial response, stating that they would provide the requested material as soon as possible. By XX/XX/XXXX, Freedom had not provided any additional information or made any further contact. 

XX/XX/XXXX : A second RESPA QWR was sent to Freedom Mortgage by my attorney, citing Freedom 's failure to respond and restating my request for the information sought and my dispute of the asserted deficiencies. 

XX/XX/XXXX : Freedom has failed to provide any additional response or communication. Freedom has further lock me out of my online account and continues to send mortgage statements showing a {$7400.00} deficiency.
Consumer complaint received 2022-01-31
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear TransUnion, I am writing to dispute the accuracy of the information contained in my credit report. After reviewing my report, I have found several errors that I believe should be corrected immediately. 
Firstly, I have noticed that you have been reporting interest on a closed account. This is a clear violation of federal law and is not an accurate representation of my credit history. I request that you remove this account from my credit report immediately. 
In addition, there are other inaccuracies in my credit report that I would like to dispute. Specifically, [ such as XXXX XXXX not showing full reflection of credit history as it doesnt report from XXXX account was closed but instead the reports kicked in XXXX which doesnt show a full reflection of my credit report. 
Please investigate these issues and make the necessary corrections to my credit report as soon as possible. I have attached copies of supporting documents to this letter to assist you in your investigation. 
Furthermore, I want to bring to your attention that I have filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and have attached all relevant documents to support my claim. I take this matter very seriously, and I hope that you will take prompt action to resolve this issue and ensure that it does not happen again in the future. 

I also want to bring to your attention that both XXXX and XXXX have removed XXXX XXXX XXXX from their credit reports due to it being deemed a violation. I strongly urge you to take similar action and remove this information from my credit report. 
Please confirm receipt of this dispute letter and provide me with an update on the status of my dispute. 
Please send your response to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, {$10000.00}, wrote out a check to a friend. 
OnXX/XX/2022, {$1400.00} transfer money to XXXX to a relative On XX/XX/2022, {$1400.00} transfer money to XXXX to the same relative
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SYNCHRONY FINANCIAL (FL)

BILLING ERROR NOTICE AND FRAUD! 
This notice is to inform you that you are unlawfully demanding payments from a fraudulent account that arose from IDENTITY THEFT. I have No contract with SYNCHRONY BANK.Failure to disclose, unjust enrichment and fraud on the consumer. Intentional act of fraud. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. I do not authorize you to put any remarks on my consumer report. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of contract and fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud! Truth in Lending Act Violation of 15 U.S.C. 1605 finance charge, No notice of rescission and XXXX XXXX XXXX XXXX ( XXXX ) ( no Privacy Notice ) right to opt out of having my non public information share to non affiliated third parties. 
15 U.S.C CODE 1666- CORRECTION OF BILLING ERRORS 15 USC 1635 Rights to rescind. FRAUD HAVE NO STATUS OF LIMITION.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I received an undated letter by US Mail on XX/XX/XXXX, from Cardmember Service ( Elan Financial Services for Fidelity Investments ) XXXX XXXX XXXX XXXX ND XXXX. 

" To keep your [ Fidelity Visa ] card open, make at least one purchase by XX/XX/XXXX. '' ( [ sic ] XXXX of last year ) Elan Financial contacted me only by regular US Mail ; they admitted not attempting to send email nor call me by telephone before cancelling my Visa account. ( They certainly have all my contact information through Fidelity. ) The actual Fidelity Visa credit card shows its expiration date as XX/XX/XXXX, but the account was closed by Elan Financial last year because I had not made a purchase in 24 months. I have had this same card since XXXX with a {$31000.00} credit limit ; I used it for emergencies ( life events ). There were certainly longer prior periods of disuse, so theirs can only be a brand new policy. 

I spoke with Elan financial Services on Sunday XX/XX/XXXX, and spoke with Fidelity Investments on Monday XX/XX/XXXX. Because I was not able to respond to their paper letter within 30 days, Elan Financial refuses to reopen the account nor will they agree to issue a new Visa card with the same credit limit. The only path forward they offer is to reapply for a credit card, with no guarantee of achieving the same credit limit. 

This is not merely an inconvenience. I have depended on this card to pay for things like a funeral and a cemetery plot ; things in life you can't plan for. Elan has rendered me insolvent, and has negatively impacted my credit rating. Further, Elan Financial closed this Visa account without my authorization, even though my several other Fidelity accounts were active.
Consumer complaint received 2022-01-31
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: CITIBANK, N.A. (NE)

3 Hard Inquiries on my credit report not authorized by me. Believed they were caused by identity theft. 

1 by Citi XXXXCitibank XXXX date = XXXX 2 by XXXX XXXX XXXX XXXX dates XXXX, XXXX
Consumer complaint received 2022-01-31
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. (MD)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND HAVE CAUSED ME A LOT OF EMOTIONAL DISTRESS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-10-28
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: U.S. BANCORP (FL)

I have disputed an account fraudulently opened under my name, US BANK. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Consumer complaint received 2024-03-13
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.