davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I've contacted Equifax several times to explain to them that I am not able to populate any data on the website..such as my credit report, score summary and personal information. 

I took screenshoots of the the main page which indicates that the last update was XX/XX/21 and XX/XX/21. 

I spoke to several individuals from the fraud and dispute department that stated that a technical issue report would be made and I would be able navigate properly within the website. As to date it's still not functioning properly. 

I've exhausted myself in the frustrations likewise subsequent to being a consumer compromised with my credit. They have done many things improperly including just recently deducting XXXX points from my score and the reason states- is because of decreased balance of my XXXX. 

I'd like to rebuttal this since if I've a decrease in balance my score should have increased XXXX points. 

The representative I spoke to stated that she could tell me my credit score however she stated it was over XXXX. She said to wait 3 days then try to log in and that I should be able to sign in and everything will be updated and fixed. However to date it's not My score has decreased for reasons that are violations to the consumer protection laws and those of the FCRA.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MA)

I have disputed National Credit Systems and sent them a copy of police report and National Credit Systems continue to harassing me by reporting a fraudulent item to XXXX credit report. I have sent National Credit Systems and XXXX copy of the report.
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/19 I applied for an online checking account with HSBC.  After answering some credit bureau questions my account was denied. We then tried to apply on XX/XX/19 for my mother to open an account and she didn't even make it to the credit bureau questions and she was also denied. We called to ask why this was and we were told that they could not give us any reason why we were denied. We were told to ask for our credit report and see if there were any holds or wrong information. My mother and father just bought a home in the last month so I know that everything with their credit report is fine. We were then told that we also should try to apply from a " desktop PC '' because I was applying from my laptop and it could be that also. 

I just opened a bank account recently with XXXX XXXX and did not have any issue. My mother and I also just opened an account two weeks ago at XXXX XXXX XXXX without a single issue. I use to work in a bank and I know that if the credit report was showing different information we would ask them to bring in additional proof to establish their identity. At neither one of these account openings was that even requested. We opened our accounts with extreme ease. However HSBC is refusing to open any account for us. HSBC is refusing to inform us by phone as to the reason they are denying us and they have failed to inform me by mail as to why they are denying us. So it is literally impossible for me to try to remedy whatever issue they are having with my application. It's as if they simply want to refuse me service.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021
Consumer complaint received 2022-04-04
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. (PA)

THere are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2023-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and Federal Trade Commission will pursue all available legal remedies to protect my interests and hold those responsible accountable.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Per the FCRA, credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. 
There is a date of last payment reported, but no last payment amount reported. If there was a last payment made, what is that amount. Why is it not being reported? 
Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire month of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. 
There is no account number for this alleged account? What is this information? 
Date of last payment on this alleged account is stating XX/XX/XXXX, this also does not correspond with the payment history chart. If this was the correct last payment then there shouldn't be 120 days past due for the months of XXXX, XXXX and XXXX of XXXX. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.
Consumer complaint received 2020-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (WA)

This is a follow-up complaint to my original complaint # XXXX. My attorney had to send another letter to Barclay. On XX/XX/2020 Barclay responded to my attorney, Ms. XXXX ( only after filing a complaint with you ). My attorney had originally wrote to Barclay back in XX/XX/2020 with no response. In Barclay 's XX/XX/XXXX letter to Ms. XXXX a letter addressed to me ( XXXX XXXX ) dated XX/XX/2020 was enclosed. This letter references attachments, which were not provided to Ms. XXXX. Overall, I NEVER received this letter from Barclay. So, we are still at square one. We do not have any documentation / proof of what the original loan agreement says, how much has been paid toward the loan, where Barclay comes up with the interest. And even though they offer to remove the interest and add a {$100.00} goodwill statement to my account, I never officially received a letter from them and I do not believe they credited the most recent payment I had made in XXXX.
Consumer complaint received 2020-09-16
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. (GA)

TransUnion and XXXX are fraudulent on my credit account XXXXXXXXXXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX   is fraudulent on my credit Account XXXX XXXX  CREDIT CARD is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX BANK is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX LAW is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX the owner at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA ) financed me a XXXX XXXX XXXX  that has catalytic converter issues and didn't disclose this. He also called CapitalOne and had them add XXXX for a warranty that doesn't even cover the issue. The original cost of the car was XXXX but with the added warranty raised the loan to {$13000.00}. This was after I already told him I was coming via XXXX  to get the car cause I needed it for work that night. It was also the last day of my loan approval from Capital One so I wanted to get into something.. On my way there when he first disclosed that he added that warranty I said I didn't want it but he said for the down payment to be as low he needed to add it. The original down payment was supposedly XXXX but with the XXXX warranty I only had to come up with {$400.00}. This transaction not only fits the lemon law but the bait and switch law.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Since XX/XX/XXXX I have tried to dispute this through the credit bureau 's but of course it was " verified as accurate '' although no one will admit to it or provide any documentation. 

XX/XX/XXXX I received a response to my request to have 3 late payments ( XXXX, XXXX & XX/XX/XXXX ) removed from my 3 credit reports ( SEE ATTACHMENT 1 ) from my Freedom Mortgage Loan. I stated that I did not receive my statements in the mail and therefore fell behind as I did not realize the missed payment until I received the next statement and paid in full ( 2 months ). 

On XX/XX/XXXX I also received an email apologizing for allowing a solicitation email that I have opted out of sent to me by them ( see attachment # 2 ). This also shows they can not manage their internal systems properly with notifications. 

XX/XX/XXXX I called XXXX Spoke with XXXX # XXXX who informed me a response letter was sent dated XX/XX/XXXX that I have yet to receive ( as of XX/XX/XXXX ), which further proves either the items are not actually being mailed or they are not getting her for some reason. 

The XX/XX/XXXX was faxed to me by XXXX at Freedom and states they are unable to honor my request despite the fact I am not receiving statements and letters from them ( see attachment # 3 ) XX/XX/XXXX I called and informed XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID XXXX XXXX & XXXX - customer relations division, them under XXXX Periodic statements for residential mortgage loans, they are required to send statements but they refused to remove them or to let me speak to a manger. They all just suddenly kept asking if I was still occupying the property but refused to escalate or have this open dispute looked into for an update other than the due date of XX/XX/XXXX which is too late for me to be approved for my new mortgage. 

XX/XX/XXXX Since no one would help me or let me speak to a manager, I sent an email to the CEO and other execs asking for a courtesy adjustment but I have not received a response other than an out of office from Mr. XXXX 's ( see attachment 4 & 5 ).
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2016
Consumer complaint received 2020-09-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services. C.M.S. has never complained to the credit bureau ( XXXX  ) until three months ago. I have been receiving e-mails stating, " We see from your account history that youve made payments after the XXXX of the month and you're required to pay a late charge. '' Alternatively, the monthly statement states payments are due by the XXXX of the month. I program my bill-pay from on line-banking on the by XXXX ( if the XXXX happens to fall on a Sunday ). It is withdrawn from my bank account on Monday, the XXXX. This month, XX/XX/2020 I received a late payment fee on my monthly billing statement.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

CFPB I have evidence consumers can being wrongfully harmed if something is not corrected. Credit agencies are stating scores are calculations. I have evidence below this is not possible. 

If credit scores are wrongly lowererd it can result in higher interest payments. This directly can harm consumers living expenses. if a family with children have score damaged by agency and did nothing wrong it can harm their ability to raise their children. this is real life. 

Experian provided the factual evidence CFPB needs to investigate what is happenig attached image evidence by experian XXXX. XX/XX/year> XXXX XXXX XXXX decrease by {$38.00} and experian added XXXX points score. credit bal on card {$31.00} XXXX. XX/XX/year> XXXX credit bal decreased by {$31.00} and experian removed XXXX ponts score. Credit bal on card {$0.00}. Paid in full. 

CFPB Look at the amount decreased {$31.00} and {$38.00} payments only XXXX days apart. paid ontime and my score XXXX? 

lenders use scores to see how reliable a consumer is at repaying. And can increase their payment interest. I made XXXX payments ontime and Experian changes my score saying im a riskier creditor how?. 

Scores also show the risk of a consumer to lenders. So I made XXXX payments {$38.00} and {$31.00} ontime reducing my credit exposure making my finances stronger. Experian 's response is changing my score saying XXXX riskier?
Consumer complaint received 2023-04-12
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. (AL)

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 : 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 2019-08-20
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)

Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Consumer complaint received 2022-08-17
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. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED XXXX XXXX XXXX }.