davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (WI)

In accordance to the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 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 to not furnish account without my written instructions
Consumer complaint received 2022-05-13
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2024-03-07
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. (FL)

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXXXXXX XXXX XXXXXXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2022-10-19
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. (LA)

My name 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 2024-03-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct. # XXXX has violated my rights.I have no first hand knowledge of any debt with is company. This is fraudulent as my information was obtained, illegally. 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This is extremely urgent. 

I have been working on these items since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have deleted the bankruptcy from my file. I have also disputed this with XXXX transunion, XXXX XXXXXXXX, which all came back verified. This would mean a proper investigation was not conducted and is a violation of federal law. please see attachment for details.
Consumer complaint received 2022-05-13
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. (NH)

In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent Transunion and XXXX a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (KS)

On XX/XX/XXXX we paid our loan in full with a wire transfer. We received an escrow review from Loan Depot indicating we were owed {$6800.00} for combined overpayment and escrow balance. As of XX/XX/XXXX ( 21 business days and 31 calendar days after payoff ) we have not received the funds and have been told that we will need to wait a minimum of 45 days before anything can be done to address the escrow account balance. Further, we have been told that the monies can only be sent by check and that electronic transfer of the funds is not something they will do. I have called once per day on XX/XX/XXXX, XXXX, XXXX and XXXX. I have been told various dates that funds were mailed or that the funds were pending release, but couldn't say why there was a hold.
Consumer complaint received 2024-03-07
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)

The collection listed below need to be removed from my credit report because there's no paperwork that legally verifies this account. The collection agency XXXX XXXX XXXX submitted a response stating that they would cease collection activity and inform the credit bureaus to remove this item, yet it is still reporting. This is false reporting and a violation of section 609! How can you continue to report when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at once : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2022-05-13
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 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. 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. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA they are a fraud they took a bunch of peoples Social Security income and threw us out they have held my daughters income that she gets {$400.00} for my husbands social XXXX of it is mine they have locked both our identities leaving me held XXXX homeless  on the streets. They call coding it out theyll take your money and pay people off in front of you these disgusting people actually take it and they wonder why you sit around and hate them as they freeze you out in XXXX  and XXXX  ATM XXXX we also had renters insurance and we had a lot of claims we were robbed completely XXXX XXXX XXXX, XXXX CA XXXX The whole neighborhood was harassed of course our counterparts our neighbors were XXXX so they all said it was gang members it was actually USAA thinking they could become the XXXX XXXX  they still have California locked up
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (AZ)

We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 right after recovering from XXXX I noticed a XXXX discrepancy in my bank account. The moment I saw that my account was being used without my consent, I contacted Chase bank and notified that I was being victimized by the fraud that generated the number # XXXX. He said it is quite clear that my ex-roommate had committed the fraud since although the purchases came from my debit card, the notes were in the name of my ex-roommate and I had never given him any information or permission to do so. make no purchase. Yet Chase bank dismissed my claim of fraud, making all purchases valid. Except for three transactions which, according to them, were the only ones considered fraud, which seemed strange to me. As only three were frauds and the others were not, since they were done on the same site and by the same person? 
I contacted the companies from which the purchases were made and they all informed me that the purchases came from the same person. I reported the fraud to the Federal Trade Commission and then I sent a follow-up letter to Chase Bank. But they said there was nothing more to be done, and that it would not be possible to reopen my case for a new check. 
I no longer have any contact with my ex-roommate, as you can imagine he disappeared, but I have people who knew him and can testify and confirm everything I'm going through. 
They claim that the reason my complaint was dismissed is due to the delivery being made to my address, but they did not take into account that the person responsible for the fraud was meuex-roommate, as he lived with me, so we had the same address.
Consumer complaint received 2020-12-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear XXXX  XXXX This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 XXXX XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX  XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, XXXX XXXX
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I like this bank and I am submitting a complaint because I was scammed using the " XXXX XXXX service. I already talked to my bank and they denied my claim but I was scammed because I never Received my items and I have messengers from the seller that he went back to my word and LIE to me. It was a console with games he was selling to me after I sent the money, he just went ghost on me and stop replying to messengers. I have attach an invoice showing the receipt and I have words from the seller he was lying to me. I recognized this was inconvenience and that is why I never again will use the " XXXX XXXX '' to make sales. I DO NOT have the money from {$120.00} dollars as I paid bills and am not currently working. I love this bank, but I really was scammed and will keep on doing this until I get the resolution that I want. I have been a loyal customer for the past 2 years.
Consumer complaint received 2024-03-07
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. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-26
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. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account. 

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX  ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2022-05-13
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)

Inaccurate and false information is being reported on my credit report. I never authorized the inquires and Experian and XXXX have both neglected and refused to remove the fraudulent inquires being reported on my credit. Company XXXX reflects on my Experian account and I have never authorized XXXX to access my credit report. Company XXXX reflects on my XXXX account and I have never authorized XXXX to access my credit report.