davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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)

XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ DataX and to freeze my credit score. Upon receipt of the Data X Report, it showed fraudulent information : XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX. XXXX XXXX. Consumer : XXXX XXXX. XXXX XXXX and Monthly Income {$2000.00}. 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXXXXXX XXXX XXXX XXXX  XXXX {$7600.00}
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute certain information in my credit file that I believe is inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

I request that the item be removed [ or request another specific change ] to correct the information, as mandated by the FCRA, which requires credit reporting agencies to delete or modify information that is inaccurate, incomplete, or can not be verified.

Please reinvestigate these matters and correct the disputed items as soon as possible.

In compliance with the FCRA, please send me a corrected copy of my credit report upon completion of your investigation, and advise the creditors who received my credit report within the last six months to send me a corrected copy of their transactions with my account. 

Thank you for your prompt attention to this matter. I expect your response within the statutory timeframe of 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WV)

On XX/XX/XXXX I received a delinquent tax notice from XXXX XXXX for XXXX. The total taxes due were {$4400.00}. The notice stated Mr. Cooper only paid {$3100.00}. I tried to call several times over the course of XXXX  days. Each time I was placed in a queue that lasted for more than an hour before the call was disconnected. I contacted the XXXX XXXX, and they stated that a Tax Assessment was performed in XXXX XXXX and Mr. Cooper was notified of the increase. I submitted the notice to Mr. Cooper on XX/XX/XXXX. An automated reply stating ticket number XXXX was created. 

On XX/XX/XXXX, I received a reply from Mr. Cooper stating they received the documents I uploaded and had forwarded it to their Tax Department. The reply further stated that, " Since the escrow account was with us we will receive tax information directly from the tax collector. We will pay the tax bill first and then adjust your monthly payments to reflect the updated tax information. '' I didn't receive any additional information. 

On XX/XX/XXXX, I received Tax Sale Notice from XXXX XXXX stating that my home was scheduled for a web based tax auction on XXXX  XXXX, XXXX due to a delinquent tax bill in the amount of {$1100.00}. 

I've forwarded this information to Mr. Cooper on XX/XX/XXXX. XXXX. I detailed in my message my extreme dissatisfaction with their failure to perform a trusted and vital function of the most basic requirement as a loan servicer. I also expressed that I am prepared to forward this issue to the XXXX XXXX XXXX and hire private legal counsel if they do not reply immediately. An automated reply stating ticket number XXXX was created. 

I've never missed a payment. Not one. I've upheld my contractual obligations. If I had missed a payment they would have remedies. They should uphold their obligations.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DC)

ATTN : Executive Response Unit ( Office of the President, Citibank/Citigroup ) *Via XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM : XXXX XXXX RE : Second Attempt to Resolve Debt Issue Dear Office of the President, Citibank c/o Best Buy : I mailed a letter ( below, herein ) to your office 1-month ago ( dated XXXX in my files ) in hopes of resolving a debt that I believe has been paid in full years ago. I have been suffering from unemployment throughout the Covid pandemic, only recently regaining full-time employment, XXXX later. As I expressed to the phone rep, I feel that the exorbitant and lengthy repayment plan was agreed to under duress. 
Since the plan was set up, I have been more recently hit with a home foreclosure lawsuit and a Notice of Deficiency tax bill from XXXX, both of which are active and ongoing. I am enclosing proof of unemployment status for XXXX XXXX and XXXX via DC Govt. tax statements that I downloaded from DC.gov as additional proof of extended hardship ( attached, PII : SNN redacted ). 
Again, I am asking for financial relief from this ongoing burden. I hope your department will agree to relieve me from this ongoing debt that I feel was paid off years ago.
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (CA)

NationStar/Mr.Cooper " supposedly '' conducted an investigation into an XXXX dispute that I filed this past week. In my opinion, NationStar didn't investigate my dispute correctly because the company took less than 24 hours to return the same result that I disputed. NationStar has consistently chosen not to update the correct amount owed to them on my credit report for years because they " choose '' to lag in their reporting of my file intentionally even after bringing this to the company 's attention. They also have chosen not to have representatives pick up their phone lines anymore, thus leaving me being unable to attempt to resolve an issue I have with them telephonically. Their bot system doesn't allow you to choose to speak to anyone even after multiple attempts this week. 

As of today, NationStar is reporting a balance owed to them of {$350000.00} on my XXXX file. I've disputed this amount with XXXX and gave the correct balance owed to them as of last week which is {$350000.00}. The difference is an amount that is lagging two months behind, which this company has consistently done with my credit file since servicing my mortgage. I was told they updated to the bureaus for the month of XXXX, but they're choosing NOT to include XXXX 's payment in updating. XXXX 's payment has also been reflected as paid on the NationStar website.
Consumer complaint received 2023-06-22
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. (TX)

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-28
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)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 2024-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (IL)

Ive been a customer for 2 years. I had a check come back not paid on my account for {$390.00} on XX/XX/XXXX and they closed my account. Its been 3 weeks and my balance is $ {$2500.00} I still can not get an answer on when they will issue me a check and they wont unfreeze my account to let me transfer it out. Its been so unacceptable, I am late on rent now and I can not get a straight answer.
Consumer complaint received 2023-02-06
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. (SC)

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 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 2023-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-04-22
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. (TX)

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2023-06-23
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. (IL)

In Accordance with this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account XXXX : XXXX XXXX XXXX  Account NumberXXXX  Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-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 believ that the information is innacurate.
Consumer complaint received 2023-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (AZ)

I reviewed my yearly free XXXX credit report on XX/XX/2023. I noticed the company Discover Financial Services was making a " soft inquiry '' on my account every month, for almost the past two years!! I have never applied for one of their credit cards. I do not have an account with them. I have no idea why they chose my account ( how many people are they doing this to? ) I called Discover Financial @ XXXX. I patiently had them connect me 4 times to 4 different people regarding my request to cease making unsolicited inquiries on my account. I also wanted to know why they are doing this. They said I needed to call XXXX. They would not assist me further. 

XXXX  @ XXXX stated I would need to put a " freeze '' on my total credit account only to be opened with legitimate inquiries later with a " PIN code. '' They could not help me with the request to have this company cease and desist with soft inquiries monthly. I am thinking XXXX receives funds from the company to allow them to do this, and this may be the motivation to continue this practice that feels like an invasion of privacy. Can you help??
Consumer complaint received 2023-02-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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.