davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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. (NJ)

Equifax Is reporting inaccurate, incomplete, and inconsistent information on my credit report this is a violation of Title 15 1681E " Accuracy of Report ''. " 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. '' This consumer reporting agency is also in violation of USC Title 15 1681i 5 1-2 ( 5 ) Treatment of inaccurate or unverifiable information. " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' If this is true then the following Alleged charged-off account XXXX must be deleted immediately due to being furnished with multiple inaccuracies, it is also incomplete and inconsistent. it showcases Years of late payments after the account was already closed. There should be no late payments reported after the closed date of XXXX This is inaccurate reporting. No Date of last activity is furnished- This data field is incomplete. There is no actual payment amount furnished for alleged the last payment date which is another Incomplete data field. The date of the first major delinquency is inaccurate.the alleged date of first major delinquency is XX/XX/2018 which is 3 months after the account was allegedly closed on XX/XX/2018 this is inaccurate and inconsistent reporting. This consumer reporting agency failed to furnished the date of the first major delinquency was first reported this data field is also incomplete. Also, The payment history Calendar is inaccurate according to this credit reporting agency 's payment history key. The alleged payment history shows 4 Straight 120 's Late payment marks which are not possible nor accurate and is inconsistent with the standard of the Equifax Payment history key.
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX position. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start XXXX XXXX for the company and XXXX XXXX XXXX XXXX XXXX XXXX. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with XXXX XXXX and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called XXXX to ask them what happened and they told me that this was not my account and that I was not authorized. Chase Bank credited my account with the fraudulent transaction. I called Chase and they simply refuse to cooperate. I asked them several times during the phone conversation that why don't banks feel they have a responsibility to verify authorizations prior to moving monies? Every time I brought this question up the conversation would take a hard left. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I am TIRED! The XXXX credit bureaus are still practicing bias on XXXX consumers regard their credit scores. For over 2 years, i have worked hard to build my credit which all score were close to 660-680. for months, i did not use my credit cards and my credit use dropped under XXXX percent. because of inflation and const of consumer products have gone up. I had no choice to use my credit cards, they DROPPED MY SCORE SIGNIFICANTLY! decreasing from 10-35 points! during A SOCIAL ECONOMIC CRISIS. However, when I paid my balance off in less than 30 days, I only get points of 1-10 points BACK! I am a XXXX woman of XXXX, who has worked diligently to at least build a fair credit rating. The bureaus make it difficult to build a decent credit rating and penalize consumers for increasing card use when prices for products, including gas has significantly gone up! I am trying my best to build my credit, and now my credit score was deducted another 5 points for a new credit card ( hard credit pull ) ... are they serious? We are trying to survive and just live! consumer have no choice but to rely on credit cards for their basic essentials. However, I pay off my credit cards only to get a couple of points back. How are they deducting points from consumers in an economic crisis? I want my scores restored, please
Consumer complaint received 2021-09-07
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: DISCOVER BANK (NY)

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave Discover FIN SVCS any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover FIN SVCS Account # XXXX I was never late, 30, days in XX/XX/2019. 
Im not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-02-09
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. (TX)

This is a formal complaint for EXPERIAN, XXXX and XXXX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If EXPERIAN, XXXX, XXXX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given EXPERIAN, XXXX, and XXXX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems EXPERIAN, XXXX and XXXX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.
Consumer complaint received 2022-05-03
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I went to a TRUIST bank located in XXXX XXXX to open a XXXX XXXX  Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that TRUIST denied my request to open the XXXX XXXX Account based on personal information on my XXXX consumer report. That did not make any sense to me.

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by TRUIST. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.
Consumer complaint received 2022-05-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AR)

I tried to refinance my XXXX loan with Rocket mortgage, after being approved for loan and having appraised I was told to make repairs I made repairs and asked for final inspection several times The never responded and never sent appraiser out allowing the rate lock to expire twice. They then said that it to too long for the appraiser that they did not sent out to return and my credit rate had drop, which was because I used credit cards repair they ordered that our city inspectors said was not required. I believe that Rocket Mortgage is using low ball appraisals and fake repairs to keep XXXX people in what they deem undesirable areas to refinance and access the equity built in their home, the loan # XXXX. I had everything in order on time to close loan and they still denied my refinance because the keep pushing back the closing date
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the Fair Credit Report Act XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been 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 an account without my written instructions
Consumer complaint received 2022-05-03
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. (NC)

Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-06
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. (SC)

Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) please delete the following accounts as they were open fraudulently.
Consumer complaint received 2022-05-03
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. (CA)

This is the THIRD complaint I've submitted via the CFPB about Equifax in less than two months. Why is Equifax allowed to be so sloppy in maintaining consumer data? 

I submitted a dispute form asking Equifax to update the balance on my XXXX XXXX account. Instead of asking the lender to verify the details, it reported the account as fraudulent. Once the lender determined the account was not fraudulent, the account was reopened, but I was issued a new account number. Equifax now reports TWO XXXX XXXX acounts on my report and the information reported is WRONG.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I applied for a loan modification with Select Portfolio Servicing ( SPS ). I used XXXX XXXX XXXX ( XXXX ) as my mediator. I have been trying to find help for over 10 years. XXXX contacted SPS in XXXX of 2021. My interest rate would change from 4 % to 8.85 % in XXXX of 2021. My monthly payment would go from {$1100.00} to {$1900.00}. 

Plus I have {$100000.00} in back interest due from my loan with XXXX who sold the loan to XXXX XXXX. The cause of back interest is related to the loss of my job and my wife 's job due to XXXX ( as descibed below ). 

My wife and I refinanced the mortgage XXXX years ago to pay for her XXXX XXXX XXXX XXXX  XXXX. The refinance was with XXXX. This is all prior to the XXXX XXXX XXXX. I stayed at home with my wife during her XXXX for over a XXXX year period. I was XXXX XXXX XXXX months after my wife XXXX I did not find a job for XXXX years. 

In XXXX of 2021, XXXX spoke with SPS to put my mortgage into forbearance. My credit score dropped from XXXX to XXXX by XXXX because SPS did NOT report to the credit services/bureaus that I had was in forbearance. 

SPS offered to keep my loan interest at 4 % if I rolled the {$100000.00} into the total loan of {$310000.00} ( value of house is {$210000.00} + {$100000.00} ). If I accepted the offer XXXX would be paid {$6000.00} for their services. I refused the offer. 

XXXX then offerd to do a forensic audit for {$4700.00}. I paid for the audit and an expert witness statement. They found that there are illegalities with the processing of the mortgage exchange beteeen the various finance companies. XXXX believes that I can use the forensic report as leverage to negotiate with SPS or to sue the finance companies. 

What I want/need : someone to review the forensic report, if their findings are accurate, I want to file a lawsuit against XXXX, XXXX, and SPS finance companies regarding all the misconduct and possible predatory loan practices involved. 

Thank you
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

This company has put false information o. My credit report. The bad part is it has a wrong name on it as well. I have asked them to verify, they wont verify and Ive ask them to remove it and they will not remove it even though I have no idea who this company is and it has my incorrect name. I need those accounts from credit collection Serv to be removed immediately.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act the following companies 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 instruction.

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

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 XXXX
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner is reporting an erroneous debt on my credit file that I do not owe. This is for an insurance company that I switched out of but called and paid in full before doing so I called directly to the original creditor to pay the balance and I was under the impression that I took care of it. There shouldn't be a balance and this account should of never gone to collections. I was never made of aware of a balance. I never received calls, letters, or collection notices which is a violation of my 30 day right to dispute for this account that shouldn't even be in collections.
Consumer complaint received 2024-02-09
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 the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX 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
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX