davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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  Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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. 

has violated my rights. Or a 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 2022-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

I have an impound account with planet home lending, they failed to pay my taxes on XX/XX/2022. I had to pay with my credit card, the home was going to auction as taxes werent paid. I called planet home lending about 20 times over a 6 month period and they asked me to fax over my receipt from my county assessor, which I did twice. Last call I was told case closed and my taxes went up by XXXX dollars. I didnt understand why. They told me I do not get a refund for the taxes I paid and am afraid on my impound account, that will fail to not pay again. Do not trust this company. 
When they bought my loan from my original lender, they had me faxed my last payment from original company and I called and told them please do not give a 30 day late. I followed up for 2 months about 10 calls and they still gave me a 30 day late on my credit report. 5 more calls and threat that I would sue, they corrected their mistake. Terrible customer service m they would tell me to hold for a second and then they would cut my call.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Land Closing Services, Inc. (WI)

My company, XXXX XXXX XXXX, is a XXXX XXXX in XXXX, WI. On XX/XX/20, the sale of a business we had listed Closed.  Unbeknownst to me, somewhere in the process of the Title Insurance Company completing their paperwork to release the funds, our wiring instructions had been hacked ( email ) along the way and our commissions earned ( {$90000.00} ) were wired to a bank account in the XXXX. 
I have filed a formal complaint with the State of Wisconsin Office of the Commissioner of Insurance. They sent a formal letter with my complaint to the title insurance company, XXXX XXXX XXXX in XXXX, WI. The Attorney for XXXX XXXX XXXX did contact me and asked for any information I have regarding preparing for the sale to Close. Within 24 hours I sent the information I had for them to review.

One additional factor for me asking for the evidence is from what I have seen in the email that I was told they used to approve the release of the funds, included a reference to a company that was not involved in the transaction at all. 
In my conversation with the WI Office of the Commissioner of Insurance today, they provided me with the information to contact your group.
Consumer complaint received 2022-12-25
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. (GA)

XX/XX/22 Experian is reporting a bankruptcy on my credit report and they have put the data furnisher as the XXXXXXXX XXXX XXXX XXXX XXXX GA. This is XXXX I have attached a letter from the XXXX bankruptcy Court XXXX XXXX GA XXXX and XXXX that they DO NOT furnish this information over to the credit bureaus or any CRA, nor to they verify or validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and have yet to remove this from there credit report. This is in violation of 15 USC 1681 ( a ) that states with respect to the consumer it is of grave importance for the BUREAUS to report fairly, accurately and privately. 
I have also enclosed the CFPB complaint response from XXXX where they have deleted the bankruptcy from my consumer report. 

XX/XX/22 Experian is also reporting an inaccurate address that i have disputed multiple times. 
XXXX XXXX XXXX XXXX. XXXX GA XXXX. 

It is clear to XXXX that this information deleted from my consumer report, but Experian refuses to remove it from my file. see attached copy of CFPB complaint response. 

Which with XXXX and XXXX did not have permissible purpose to request any of my private information to obtain this for the credit bureaus reporting. Nor did i give them permission to furnish this data to Experian. This is in violation of 15 USC 1681 ( b ).
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2022-12-24
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: TransferWise Ltd (IN)

On XX/XX/2022, I used my Wise Debit/Credit card to purchase gas. The gas station, XXXX XXXX, put a temporary {$100.00} hold on my card at XXXX. After I pumped my gas {$21.00} was charged to my Wise card and at XXXX the {$100.00} hold was released by XXXX XXXX XXXX On XX/XX/2022 I spoke with a representative at Wise, XXXX, and I have emailed Wise a letter from XXXX XXXX to verify they released the funds and a copy of my receipt for the charge of {$21.00}. As of XX/XX/2022, Wise still has not released my {$100.00} funds. I desperately need that money to purchase food and pay bills. Wise is holding my money illegally!
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (TN)

The wife and I went to a timeshare promotion. They said they were just checking our credit to see if we qualify. Nothing was ever said about opening a credit card in our names. A few days later, we received a credit card in the mail that has been opened in our name. Again, we never agreed to open a credit card. This was just supposed to check our credit score.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX - i opened a loan with discover to pay off this loan at a lower rate. They mailed payment to Citibank on XX/XX/XXXX. On XX/XX/XXXX, the check was cashed but not credited to my account. I have called at least 15 times and they have been able to resolve. On XX/XX/XXXX a rep told me that it would be cleared in 5 days that it was been located. On XX/XX/XXXX I speak to another rep and they said I need to wait 5-7 more days and the good thing is that they found it. 

This is affecting me because it messes up my XXXX, my available credit and i'm short funds because Citibank is still charging me. 

When I asked to make a complaint they said they can't. 

All I want is my account credited.
Consumer complaint received 2023-05-10
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. (MS)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX THANKS, XXXX XXXX XXXX
Consumer complaint received 2020-01-06
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: FC HoldCo LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-24
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
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 2022-12-24
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: Experian Information Solutions Inc. (MI)

XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Consumer complaint received 2022-12-24
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. (MI)

XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (GA)

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 XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2020-12-29
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. (FL)

Hello, I became a victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. I do not know how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Mortgage Modification Plan 1st Payment of 3 consecutive payments was made XX/XX/XXXX XXXX Payment of 3 was scheduled for XX/XX/XXXX but never taken from my checking. Mortgagee said there had been a stop payment issued, and said my Mortgage Modification Plan was in default and therefore denied. 

No stop payment was issued by anyone on the account. I appealed their decision on XX/XX/XXXX. I have not heard any follow up or decision regarding my appeal. As of XX/XX/XXXX my home is in foreclosure status. My account has been referred to their attorney.
Consumer complaint received 2022-12-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

i was told i could deposit cash into a account to lock in a offer and then close on a house I did such and was denied a loan for using cash i was told as long as i didnt deposit over XXXX k weekly it was ok now XXXX plus days later my loan was denied from cash deposits i was told i could do im an now out XXXX in XXXX money which was accepted caash to a cashiers check and XXXX in appraisal fees and homeless in a few days. My wife called he explained the situation saying no one would touch me his words if i corrected the income issue i can only hope calls are recorded
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

as of XX/XX/2022 I was no longer able to pay this debt due lost hours at work and I started working with a debt agency and I have not made payment since XXXX and One Main has been informed Im working with debt agency and I removed my payment information and somehow they took an auto payment from my bank XXXX XX/XX/2022. they refuse to work with me and remove the unauthorized payment my loan number is XXXX
Consumer complaint received 2022-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-03-05
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!