davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
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. (FL)

i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that Equifax and XXXX both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new account??
Consumer complaint received 2021-09-15
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-09
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 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing the complaint against XXXX, XXXX and Transunion because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2020-11-03
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. (NC)

I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 Citi bank allied a merchant to deduct founds from my account in the amount of {$190.00} at XXXX ET. The merchant in question did nit have access to this debit cards information and this is not the first time a merchant has gotten access to a new debit cards number owned by me without my authorizing it. Ive disputed the first merchant XXXX deductions for {$16.00} from my account ; when I called the bank the first time they told me MasterCard is sharing my card info with previous merchants they stopped it and now its happening again.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted transunion credit bureau on multiple occasions in regards to inaccurate inquires on my report. I have informed this company that I have been a victim of identity theft and I have put a free on my report. How ever this company refuses to remove unauthorized inquiries for XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. As per the FCRA transunion must report correct and true information on my credit file. These inquiries are unauthorized and I am asking that they be deleted. However transunion is violating my rights and privacy and I will take action by suit to have these false inquiries removed from my report.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-01-25
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize anyone employed by CAPITAL ONE USA NA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from Capital One but this multiple inquiries were not authorized on XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I had a home burglary in 2017 which resulted in identity theft and lost credit cards. Although I submitted a police report to my credit card company XXXX, they still did not try to work on my behalf. Instead, they claimed the fraudulent charges as " bad debt '' and kept selling my account to multiple collection companies. One company dropped the account, XXXX sold it to the next. Now is LVNV funding under the name of Resurgent capital services. Everytime I tried to work with Resurgent or filed a complaint against them, they promised they would respond to me but then all they did was to mail a letter to me stating I should work with XXXX regarding the debt. They are the current owner of the debt, why kept running away instead of dealing with it? Had I wanted to be in debt, I would have incurred a larger debt instead of just {$2400.00}, dont you think?
Consumer complaint received 2024-02-29
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

SunWest, a.k.a. XXXX, has made repetitive, unnecessary demands that I confirm my request for paper documents over the past twenty-seven days thus unduly delaying the processing of my loan and the loan closing. Beginning on XX/XX/2020, I made written requests for paper copies of loan documents. The loan officer confirmed on XX/XX/2020 that he would mail paper documents to me and confirmed the address to which they would be mailed. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020, I repeated my clear written requests to the loan officer 's supervisor. On XX/XX/XXXX, the loan officer 's supervisor emailed me requesting another confirmation that I wanted to be provided with paper documents, stating that he was " very familiar with all the laws and rules from the CFPB and other authorities that regulate our industry. '' The repeated requirements for confirmation of my request for paper documents is beleaguering and dilatory and is unduly delaying the loan closing. I requested a closing date by email from the loan officer 's supervisor on XX/XX/2020 and he did not reply. Interest rates have recently begun rising, and my loan is locked in only through XX/XX/2020.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

I am a borrower exiting from the XXXX forebearance, my loan is with XXXX XXXX XXXX and I applied for Flex loan modification with my servicer Flagstar. 
I was denied the loan modification, and the language on the denial letter is as follows : " Please find the results of our evaluation of all available loss mitigation options, and the specific reasons you were denied. 

Flex Modification : Your post-modification principal and interest payment can not be reduced by 20 percent. '' The problem is that while the first sentence promises a " specific '' reason for denial - the second sentence give a reason that can not be called specific. Not getting a specific reason for my denial won't allow me to file an intelligent appeal. 

Truly specific reasons for denial of loan modification would be : " too high income '', " too low income '', " too high LTV '', " too low LTV '', " too much equity in the house '', etc. 

I tried to call the servicer many times, they won't give me any info beyond what I copy-pasted above. They promised that supervisor would call me back but he never did. 

Am I entitled to get a more specific reason for denial of my loan modification, so that I can file a meaningful appeal? 

Thank you in advance for your help.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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: SYNCHRONY FINANCIAL (TX)

I did not authorize anyone employed by SYNCB/XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

We refinaced our car loan with XXXX in XX/XX/2019. Kia Mortor finance never released the title to XXXX and haven't released it to us either. Now their phone system just hangs up on you.
Consumer complaint received 2024-02-29
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.
Consumer complaint received 2021-07-19
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: SYNCHRONY FINANCIAL (GA)

Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via Synchrony Bank and received a negative reply. I previously had problems with Synchrony Bank via PayPal Credit just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through XXXX which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.
Consumer complaint received 2021-04-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting incorrect information about my file that keeps getting all of my loans denied. Please correct your reporting and send a letter to me showing your office has corrected its reporting of my information.
Consumer complaint received 2020-05-06
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.