davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

The Bureau have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA where they are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ).
Consumer complaint received 2022-02-10
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. (OR)

Equifax information services, XXXX and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with Equifax Information Services XXXX
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

i was banking with Chime. My card was stolen multiple times and many transactions were not made by me. when I reported this they denied my claims. i would be happy to give you dates and times but I do not have access to my account. My bank decided to close my account. They said via email it will be XXXX  days until my check is sent in the mail its been a month and I have not received a check with my finally balance on my account, I have reached out to chime support services many times and nobody is willing to call me or yet even respond back with a non automated email.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX Fraud department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.
Consumer complaint received 2015-09-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Twin Falls Inc (ID)

I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX  ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing. 

I notified XXXX  by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information. 

I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-03-20
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

PNC BANK Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/Identity Theft-Calls made received by impersonating representatives. 

Change made to savings account by external party unknown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2024-02-22
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. (NY)

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.

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 2024-02-22
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 express my profound frustration and anger regarding the inaccurate reporting of my credit information by XXXX. It has come to my attention that there are significant errors in my credit report directly attributed to XXXX 's mishandling of my account information. 

Your company 's failure to ensure the accuracy of the data being reported has resulted in serious consequences for my financial standing. This is completely unacceptable. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit profile. Your negligence in this matter has caused me undue stress and inconvenience, and I will not tolerate any further delays or excuses. 

I expect XXXX to take swift and decisive steps to correct the errors on my credit report and provide me with confirmation of these corrections without delay. Additionally, I demand compensation for the damage caused to my financial reputation as a result of your company 's negligence. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to explore all available legal avenues to seek redress and hold XXXX accountable for its actions. 

I trust that you will treat this matter with the urgency and seriousness it deserves.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-09-03
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. (KS)

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from Transunion stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

On XX/XX/2021 I paid PHH mortgage for an Appraisal in the hopes of refinancing my home with PHH Mortgage. The amount paid was {$770.00}. The appraisal took place and was conducted XXXX week later at my home. I received the formal appraisal report in an email around XXXX. Since that time I determined I would like to use a different Lender ( not PHH Mortgage ) to provide my home refinance. I have gone through all the underwriting approvals with the Lender I am going with ( XXXX XXXX XXXX ). The only thing holding up approval on my refinance loan is the Appraisal. I provided PHH mortgage a copy of a simple 1 page Transfer or Release of Appraisal form to Switch the appraisal to my desired lender. After many weeks of no replies, being put on lengthy phone call holds and getting the run around from PHH Mortgage, I was told from them today that they would not transfer the Appraisal? I am not sure what to do here as I personally paid for the Appraisal and the desired Lender ( XXXX XXXX ) has all the needed documents to close my loan other than the appraisal report. Please help!
Consumer complaint received 2024-02-22
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 you with a sense of urgency regarding the inaccurate information present on my credit report. It has come to my attention that there are significant errors that require immediate correction. 

It is utterly unacceptable that my creditworthiness is being compromised due to inaccuracies within your report. These errors not only tarnish my financial reputation but also hinder my ability to access essential financial services and opportunities. 

I demand that you take prompt and aggressive action to rectify these inaccuracies without delay. Your failure to do so will not be tolerated, and I will pursue all available avenues to ensure that my credit report reflects accurate and truthful information. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my dispute and the steps being taken to resolve the issue. 

Please be advised that I am prepared to escalate this matter to the highest authority if necessary to achieve a satisfactory resolution. 

Time is of the essence, and I anticipate your immediate attention to this matter.
Consumer complaint received 2022-02-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

I have a VA loan on my home, and had a hardship forbearance under the Cares Act for Covid. I have been trying to get my streamline redone on my loan since XXXX, and because they didn't enter the information correctly when talking to them on the phone, they say I am no longer eligible for the streamline refinance. I then entered the information and submitted what they asked me as they said I was approved on XX/XX/2022 for a reguar refinance. The guy took all my information over the phone, said I was approved and to check back if I don't receive the paperwork in the mail in 3-4 weeks. 
I called them on XX/XX/2022 as I had not heard back from them, and the Rep. said I had been declined on XX/XX/2022. They did nothing to tell me this. Why did the guy tell me I was approved and then they disapproved it. Under the Cares Act they were supposed to automatically approve you for the refinance and move the balance to the end of your loan. I am afraid I will lose my house as I can never get a straight answer from them and the keep putting me off. Thanks! XXXX
Consumer complaint received 2017-12-25
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: LD Holdings Group, LLC (GA)

FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS LOAN DEPOT. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" XXXX XXXX '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
Consumer complaint received 2024-02-22
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. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

I have a Torrid credit card that is through Comenity Bank. When I was approved for the credit card my assigned credit limit was {$300.00}. I never went over my credit limit nor was I ever late with my credit card bill. In XX/XX/2022 I found out through my credit bureau reports that Torrid/ Comenity Bank raised my credit card limit to XXXX Once again I never went over my credit limit nor was I ever late with the credit card bill. In XX/XX/2022 I paid off my entire balance of {$230.00}. When I went to look at my account to make sure no interest was due I saw that Torrid/Comenity Bank had lowered my credit card limit to {$100.00}. When I spoke to Torrid/Comenity Bank they were unable to provide me an answer as to why my credit card limit had been decreased and that someone gives me a callback. To date, no one has called me back. 

Each and every time that my limit is raised and decreased it hits my credit bureau report and it could have a potential positive or negative effect on my credit.