davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (CA)

In my previous complaint I nsent this : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






Now I want you to remove these items : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/XXXX this debt collector, CALVALRY, reported a collection action to my credit bureau however they first sent their letter to me XX/XX/XXXX! they violated the Fair Debt Collections Act by not first notifying me and allowing me 30 days to respond
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Guild Holdings Company (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-03-06
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. (VA)

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. 

XXXX XXXX XXXX : # XXXX, Regional XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

This is the feedback you requested from me about my complaint XXXX. With respect to my latest complaint, XXXX, the company ( Western Union ) stated that they would not communicate with the XXXXXXXX XXXX XXXX XXXX regarding the missing {$1000.00} I sent to XXXX through Western Union in XXXX. The money is still missing, and I have no definite statement from either XXXX or WU about what happened. 

XXXX denied receiving the money ( the receiver also denied ), and insisted on having the XXXX number so they can track it down. 

Western Union finally did provide that number, which I sent to XXXX. 

Now XXXX said that was not enough and wanted to communicate with WU. I thought this was a good sign. But WU refused to communicate with them. My feedback is my latest complaint about that refusal. 

So I am puzzled as to what to do next.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. Bank of America failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report Bank of America to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : BK OF AMER XXXX Please remove this inaccurate information from my credit report. 

BK OF AMER XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Bank of America actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor Bank of America, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-22
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)

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a XXXXXXXX XXXX  Credit card account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as XXXX and Equifax due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX CREDIT CARD ACCOUNT. 

XXXXXXXX XXXX  customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting an inaccurate account on my credit reports that I have been disputing for some time now. This account is reporting open but there have been consistent late payments reporting each month when the monthly payment for this account is showing as {$0.00}. How is the account late if there is no monthly payment owed? Further more, there are reporting that payments were captured in the same month that the account was late. How is this possible if there is a monthly payment of {$0.00} and if there was a payment made how can the account be late? It is the responsibility of the consumer reporting agencies to report accurate information and conduct a thorough investigations into disputes and this has not been done. The inaccurate and inconsistent reporting of this account has caused so much distress and for me to be denied when I am at no fault. The consumer reporting agencies are in violation in reporting this account per the FCRA and I am demanding that this account is deleted from my reports!
Consumer complaint received 2023-02-09
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$370000.00} XXXX XXXX XXXXXXXX Balance {$370000.00}
Consumer complaint received 2023-02-09
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. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
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. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2023-02-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

In XXXX of XXXX, a forbearance due to my spouse losing his job during COVID was requested with the mortgage company Freedom Mortgage. The forbearance was extended once and upon its end, Free was supposed to submit the loan for the VA repay optioin which would have place the loan rears amount on the end of the loan. Freedom never submitted for this program and did not inform me that it was never submitted. Instead Freedom proceeded to offer a loan modification of {$1000.00}, when I called to ask why is when I found out the VA was not submitted, the reason freedom listed was because I couldn't resume payment which was later verified by another representative that, that wasn't what I said and to appeal, and I couldn't resume my regular loan payment or the interest rate, hence pay then new payment or pay of the {$50000.00}. I reapplied and was then sent an new loan modification for {$1700.00} more than my regular mortgage payment of {$3100.00}. I appealed via US Mail on XX/XX/XXXX and still have not received a response from Freedom about it at all. Now I have submitted loan all required modification paper work at least 4 times and Freedom has either has technical difficulties ( according to customer reps ) an never seem to be able to retrieve the documents. The only thing Freedom has proceeded with is foreclosure actions on my home, appraisers and brokers are frequently calling me and that is how I found out the foreclosure to sell auction date of XX/XX/XXXX. I want to know what rights I have since the company has no intention of helping me. I last spoke with a representative today XX/XX/XXXX who once again gave me the same line, they have the documents ..its in with underwriting and call back in 5 days. This has now been on going for over 6 months and I am trying all I can to resume payments and not lose my home.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

Equifax lowered my credit score by XXXX points in a month because my credit usage increased. However my total credit card usage ratio is under XXXX percent to available credit use and my payment history is XXXX XXXX percent. This affects my interest rates if I want a loan, in effect costing me more money. No company or business should have this kind of influence on my personal finances without my personal consent.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-01-24
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. (PA)

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following XXXX accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Consumer complaint received 2024-01-24
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is my second complaint against Bank of America credit card. I had  XXXX  $ credit card  in 2015,  due to extreme financial hard ship and my car was stolen that time, my wife was  XXXX , and I was a  XXXX   XXXX   XXXX  with no employment. I was told and explained every situation of mine to Bank of America but no use, they are horrible, they did not inform me when interest rate was increased to 22.00 % + something, I was paid more tha n 600 $ extr a for interest and late fees, they are not helpful, last time when I cal customer care, his name was  XXXX  he was threatened me like we will update all information to debt collector, and he insulted me like I have job then what 's the problem like, this is entirely discrimination to me. I really love this opportunity to clear my problem. I do n't want pay more than my actual credit limit.
Consumer complaint received 2023-02-25
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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (GA)

I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!