davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-31
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: CORELOGIC INC (IL)

Credco XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC (MO)

I spoke with a representative of this company on XX/XX/2020 about resolving this debt. In the conversation I was informed that part of the debt was interest charged by the original creditor, which was a trash service company. I advised the rep that I didn't mind handling the bill where I received monthly service but I wasn't paying interest. I was told they couldn't do anything about the interest and to contact the original creditor. When I tried to contact them, I was redirected to the new company that bought out the previous one. I was told by the new company they they have no record of anything being sent to collections and that I owed them nothing. They also explained when they acquired the other company, they did not take on any past due accounts so they have no record of it. I contacted the collection agency again today, XX/XX/2020 to find out how they are able to collect on and charge interest on a debt for a company no longer in business. I got absolutely nowhere with the supervisor, XXXX XXXX and she refused to escalate the issue any higher than herself.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Unifirst Mortgage Corporation (TX)

Basically, lower cash be left on my card. The transaction they have on my card are false transaction. I have way lower cash than expected. I want to find out any tips you can to help me. 
This problem have happened to me more than once.
Consumer complaint received 2022-03-22
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (OH)

I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX  which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX  and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with XXXX  but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Consumer complaint received 2022-12-15
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. (TX)

FCRA Violation : address not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FCRA Violation XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 FCRA Violation : collections not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

UNAUTHORIZED INTERNATIONAL CALLING FEES ON MY BOA XXXX ACCOUNT ON DEBIT CARD XXXX LAST 2 MONTHS RECENT CHARGES XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS I have requested from boa XXXX # for disputed charges removed and details of each unauthorized charge of these international calling fees. No response I just notified boa an hour ago again online boa email on their feedback of boa experience website for requested credit of disputed fees and copies of transactions Who made the fraud charges address and phone of entity who did these so I can make another boa fraud report and police report to be included on my FTC identity theft files already registered
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity
Consumer complaint received 2022-03-22
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)

Experian was given a dispute of a problem on my Credit report on XX/XX/2022. They had a answer on XX/XX/2022. That was literally 2 business days! They did not contact the source at all. They just assumed the information the business gave them was true without seeking any truth what so ever. What is the point of a dispute if they aren't even going to follow up. In no way did they even attempt to find the truth. This is unfair reporting by Experian and I would like some sort review of their practices.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I signed up to use the services of a company, when I did not receive responses from the company to evidence that they were providing the service, I filed a fraud complaint with Wells Fargo ( XXXX ). My fraud complain was closed. I contacted Wells Fargo and they provided me documentation for the decision to close the fraud case and the documentation that they presented was the original contract that I had with the company. I am not and did not dispute having a relationship with the company, I am disputing the fact that the company did not provide the service that they advertised. I know that they do not guarantee results, but they should be able to provide some form of evidence that they were doing something on my behalf.
Consumer complaint received 2022-12-15
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. (OH)

On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, Equifax and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Consumer complaint received 2022-03-22
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. (TX)

Ive notified Experian and XXXX multiple times in regards to a collection from creditor XXXX and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to Experian to remove XXXX citing pending litigation against them. As a US citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

Experian and XXXX needs to delete it while under legal review.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (NJ)

I opened a checking and savings account on-line with Sun Trust on XX/XX/2019 with account # s XXXX and XXXX. A bank to bank transfer was completed to fund the accounts. 
On XXXX XXXX, 2019, the bank unilaterally closed both the accounts without telling me exact reason for closing these accounts. I attempted to have this information furnished to me by contacting the bank 's executives XXXX XXXX XXXX XXXX requesting that such adverse information be furnished to me under FCRA, Despite several attempts, the bank is turning a blind eye to my requests, and not furnishing the adverse information that caused them to close the accounts. 
I request you intervention to resolve this issue with Sun Trust, and have the bank furnish the requested information. 
So far all I have received are form letters from the bank telling me that the accounts were closed, but not disclosing the reason for such an action. 
Please note that the bank returned my funds after holding them for a week without giving me any interest for use of my funds that they held for a week.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

I started a refinancing process on XX/XX/2019 with Freedom Mortgage. This company is also my mortgage. I have been on time with payments for more than a year. I was told by XXXX XXXX that it was going to be smooth process since I have my mortgage with them. In this process I was told by XXXX not to worry to pay the house for the month of XX/XX/XXXX and XX/XX/2019. Which it was convenient to invest for some things on the house. On the closing appointment the representative did not show up and I called them and they said that I need to make XX/XX/XXXX payment and I explain to them regarding the email that I was told not to pay XX/XX/XXXX and plus I have invested the money already and that issue will cause to make my payment late, so they gave me to XX/XX/XXXX to complete XX/XX/XXXXpayment and any fees so I try many attemps to communicate with XXXX or any other person to help me understand all the confusion that they are putting me through why so many changes and why was not even told anything about any changes.Even though I did made my XX/XX/XXXX payment on XX/XX/XXXX and I send emails to let them know that I was ready to schedule the closing appointment again. So I was early 1 week prior to the deadline and when I call Freedom tells me that my refinancing is close and they could not do anything about it I explain to the person that I have a letter that states deadline is XX/XX/XXXX and why do they close it way before the deadline .Daniel refuse to take any of my calls and responding to my emails and I try to speak to a supervisor as well very unprofessional never return my email or a phone call. I need it to get my payment lower ..so I can afford my childrens house and all since XX/XX/XXXX I was lied and nothing was done I did everything I was ask to do so I am very confused and upset to why Freedom mortgage did this to me. I have been a good costumer all this time and now I am very disappointed with this refinancing process. This process got me to get behind in my mortgage for XX/XX/XXXX and XX/XX/XXXX because I have put my trust in them. I do feel ignored and discriminated and very disappointing with their honesty. Freedom Mortgage did not follow the Department of Housing refinancing guidelines.
Consumer complaint received 2017-06-03
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. (OR)

the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CT)

On XX/XX/22, I was not home and my husband called to explore interest rates. Flagstar ran a hard inquiry on my credit without my consent and completed a loan application with erroneous information since I was not there to provide the correct information. I was not at home to be aware of the conversation and/or agree to proceeding. XXXX XXXX at Flagstar took the call from my husband.

I was aware the call was made but was under the impression all conversations and actions were " soft '' - this is while we were waiting to receive documents that we would review to determine next steps, or so I thought. 
On XX/XX/22, My husband and I looked through mailed documents from Flagstar ( loan application ), which is when I found information had been guessed in order to push the refinance through. A few days later on XX/XX/22, I found my credit score had gone down and that time, I saw that a hard inquiry had been run against my credit, which is when I realized steps needing my consent were taken without my consent. 
On XX/XX/22 I submitted a complaint to Flagstar in regards to the concerns that were found. As of today, XX/XX/22, has reached out to me to address the concern, only XXXX XXXX has called me, who is the mortgage processor, and she doesn't have any authority to address the concerns. 

On XX/XX/22 XXXX, Flagstar, emailed me a copy of the loan document ( which contains SSN and birthdates, etc. ) to my personal XXXX  account, which is not encrypted. There was no link to a secure site, just a direct pdf attachment so our personal identifying information such as DOB and SSNs have been compromised.