davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, Equifax and XXXX ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionidXXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and Equifax ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information EQUIFAX INFORMATION SERVICES LLC | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | WWW.EQUIFAX.COM XXXX | XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX | XXXX | XXXX : XXXX XXXX XXXXXXXX | XXXX XXXX  XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE
Consumer complaint received 2023-07-17
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)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-06-05
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

XX/XX/year> I file a dispute for charges totaling {$9600.00}. 
The supplier did not provide the good purchase nor the installation. I tried to resolve the issue with the supplier, the supplier kept changing the date of delivery from XXXX to XXXX, then to XXXX then to XXXX then to XX/XX/XXXX. They never delivered the goods nor installed the item ordered, therefore I contacted Apple Card issue by Goldman Sachs. I have called Apple Card numerous times and they still have not resolved the issue. I am asking them to refund the {$9600.00} for the delivered. The credit card company has the dispute open and has not provided any resolution in almost 2 months.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!
Consumer complaint received 2024-06-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Martell & Ozim, PA (FL)

Zombie Loans were prepared, organized, aided, designed and brokered by unlicensed community association attorneys, bankruptcy attorneys, and bank attorneys licensed in Florida with aggravated identity theft for no less than one decade.

The organized embezzlement and laundering of zombie loans are direct contempt of CFPB sanctions and orders against XXXX XXXX and subsidiaries for no less than XXXX decade. Squatters enjoined falsifications under aggravated identity theft. 

Aggravated Identity Theft 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

Attached documents show the organization of zombie loan embezzlement, laundering, perjury, and language that is in contempt of CFPB sanctions, orders and conditional civil penalty relief, in obstructions of victims relief from zombie, sham loans.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

IVE NEVER FILED XXXX XXXX XXXX AND EXPERIAN AND XXXX CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...
Consumer complaint received 2023-02-11
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. (CA)

I disputed false information on my credit report in XXXX and I finally heard back from XXXX with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on my credit report
Consumer complaint received 2023-05-29
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-29
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. (PA)

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 2017-10-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been doin searches for the Bank of America and XXXX XXXX for the last year and a half since they stole my home and caused my kids and I to be homeless. They took over XXXX in equity that i had In my house, which i lived in since XXXX. 
They violated every part of the XXXX XXXX XXXX there is to violate. They lied, forged documents, stopped responding to me, led me to believe they were going to help me, never provided any viable solutions by keeping me in the dark until finally, while under the guise of reviewing documents that they said they never got, auctioned my home in XXXX XXXX. 
Sound familiar???? It should because last XXXX, the CFPB sued them for this exact situation and recovered XXXX XXXX dollars as a result of these corrupt and common practices. 
So I ca n't hire a lawyer because they left me penniless and homeless. They were able to sell my house at auction within a minute of it going on the auction block. Sound fishy? Of course it does. They did n't even have the right paperwork for the deed. Everything was falsified. 
They were outside of the legal time allowed to go after us for the Debt. They did not ever even attempt to contact my ex husband who was on the title to the loan and the seed, at any point in time. 
They were guilty of dual tracking, falsifying documents, false signatures, robo signing, assigning me to XXXX point of contact, etc. The list goes on. 
What happens with the money that was won in this lawsuit? Do I get any of it? Can u get what is due to me from the equity I had in my home? I lost EVERYTHING in the house. All of my pictures, XXXX in antiques and furniture, tools, kitchen items, clothes for All of us, documents, files, paperwork, etc. I do n't think I am asking for anything outside of what was mine. 
If I did this in a store, I would go to jail. You can not take what is not yours to take. You can not falsify information, to suit your cause or intention, to acquire possessions. It is wrong on so many levels and has to be illegal. 
The CFPB 's job is to protect the consumer. My question is this. When the CFPB collects money from a company that has taken illegal and wrongful action on individuals who were directly affected by such wrongdoing, where does thst money go???? Whos hands does that go to? Please help me to understand how and why this can happen in our country. And help me to undestand when a company has to pay money, based on people 's financial demise and solely on evidence and factual data proven by a judge who has determined that the accusations are In fact valid and can not be argued, then how is my share of that money, that I feel I am entitled to, going to end up back in my hands? Will it ever? Thank you for your time.
Consumer complaint received 2023-07-17
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. (NY)

Inaccurate information on credit reports. I submitted a complaint letter to XXXX, XXXX, and Transunion by certified mail on XX/XX/XXXX. Here are the XXXX tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated to ensure that consumer reporting agencies execute their substantial duties with a commitment to fairness, impartiality, and a conscientious acknowledgment of the consumer 's right to privacy.

Consumer reporting agencies, namely Experian, operate within the scope of their responsibilities, are required by Law to respect the privacy of its customers and to respect the customers non public information.

I have requested Experian remove accounts multiple times.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

the financial institution and the Consumer reporting agencies Experian do not have my consent to furnish this information and they surely do not have my written consent. 



I have asked Experian multiple times to remove accounts from my credit report and they continue to delay, which has resulted in a denial of a XXXX Dollar auto loan. 



REMOVE THE FOLLOWING ACCOUNTS XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX I am now giving written instruction to remove the hard inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXXXXXX XXXX Remove all soft inquiries from my account in which I did not consent XXXX XXXX XXXX Is the only name that should appear on my credit report. 



Remove XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Remove Addresses that are non mailable XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXXXXXX XXXX XXXXXXXX VA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family Remove Cell Phone Numbers that are no longer in my name ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Remove Spouse of Co Applicant XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This card is like the other. It was set up without my consent. My wife even made payments without knowing. 

CAPITAL ONE, N.A. #  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  , UT  XXXX 
  XXXX   XXXX  
Date Opened  XXXX   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ;   XXXX   from   XXXX   to   XXXX  
Credit Limit: Credit limit of  XXXX  from   XXXX   to  XX/XX/XXXX ;   XXXX   from   XXXX   to  XX/XX/XXXX 
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX    XXXX    XX/XX/XXXX   XX/XX/XXXX  1