davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2023-05-11
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (NC)

Experian was very misleading when they say FREE credit report. You log on and they say free for 7 days and after that they charge my checking account for {$24.00}. I tried to stop them, but couldn't find a way to stop them from charging me. They told me I don't have a FICO score and also no credit report because I don't owe anybody except mortgage. So they need to add {$24.00} back to my account. I tried to explain this to them, but all they did was give me page after page of alot of reterick and have not answered specifically my questions. Please help. I need to know how to stop them from continuing charge my checking account. It's not a problem with checking account. Didn't list anything I could use to select.
Consumer complaint received 2023-11-30
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. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (CA)

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXX XXXX  {$4200.00} XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX {$1100.00XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (HI)

I am seeking loan forgiveness within the PSLF program.I filed over 100 days ago now and counting. I have well over 15 years of eligible payments and Mohela, who now owns my consolidated loans, is non responsive and slow to evaluate my request. It has taken 3 months just to verify my employment was eligible, something that literally takes 5 minutes online. They are now taking months to evaluate eligible payments, something that again I as the customer can do online within 15-20 min. Mohela has given no timelines for resolution, only that it takes up to 90 days which they have exceeded. It is impossible to get someone on the phone, with call wait times now over 2 hours with the new federal forgiveness program being implemented soon. Mohela clearly cant keep up with the volume of calls, and now I am concerned that my request will just get pushed aside with all the new requests coming in for forgiveness this month. I just want this to be completed in a timely manner.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

Hello my name is XXXX XXXX and XXXX XXXX. I'm contacting you due to how our modification was handled with Amerihome Mortgage. We did the Covid 19 option to place the payments on hold. After Covid relief was over my husband applied for a modification. It took Amerihome Mortgage almost a year to let us know he did not qualify due to his income was too low. Amerihome told us to call them 1x a month and we did. We called and was told as late as XX/XX/XXXX that everything was fine and it looked like the modification was good. We called the beginning of XXXX to and found out the modification was denied and the house was sent to an attorney. They never asked for more income because I could have easily been added to the application as a contributor. Since affordability was why he was declined it shouldn't have taken such a long time to let us know this. Affordability something that should have been identified at the beginning of the process. Now the loan is XXXX behind and more than a year, which made us ineligible for the XXXX grant that Georgia provides. It also made us ineligible for a few programs FHA provides since it's more than 12 months. The house is being set up for foreclosure now. I have reapplied with our combined income ( I'm not on the loan ) but I am worried about Amerihomes competency in offering modifications. I can not trust what they say. We have also emailed the Attorney, XXXX XXXX, and called and haven't received a call back or response to our email. No one should be treated this way. The COVID 19 mortgage assistance has backfired and Amerihome mortgage shouldn't be allowed to do this to people. Our modification was mishandled. We asked several times for a Supervisor to call and never received a call back from anyone in management. 

XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

received equifax report shows I have not paid m mortgage for 2 years so wrong needs to be corrected XXXX XXXX  told me that is wrong they do not know why they put that information all wrong my identity has been stolen many times please correct and contact me my email is XXXX Many thanks
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-03
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by XXXX credit bureaus. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX credit bureaus have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 2019-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (NC)

I opened a Bright Banking checking account online with BB & T on XX/XX/19 with the promotional code XXXX. This promotion offered a {$250.00} bonus after receiving 2 direct deposits. Despite my fulfilling this requirement the bonus was not paid out. My related inquiry on XX/XX/19 received the response that I had not provided a " valid promotional code '' online. 

In fact, the code in question auto-populated after using a link to the application page.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-03-03
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/2021
Consumer complaint received 2023-05-11
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. (UT)

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 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 2023-11-30
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-30
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've tried to refinance my car through companies XXXX XXXX suggested me. 
It was pre-qualify applications, that's why i've applied. 
As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). 

After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX ( XXXX points ). 
I got a lot mails in my mailbox from credit unions i don't recognize. 

I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. 

That's why i think all this inquiries should be removed from my credit reports,