davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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 XX/XX/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 XXXX 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. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX AR XXXX XXXX XXXX
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 — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted the county and companies regarding multiple inquires and 2 bankruptcy 's that's on my credit report and nobody seems to be interested in assisting me with this fraud issue. I have not gave anyone permission to pull my credit in three years and I want this inaccurate information removed immediately. Nor have I filed bankruptcy before please remove this information as it has caused me severe DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

RoundPoint Mortgage Servicing Corporation bought our loan in the fall of XXXX. They did an escrow analysis in Mid XXXX and raised our monthly payment by over {$600.00}, all of this without notification. When our bill came for XXXX we called and requested a copy of the escrow analysis that they claim was sent to us, it was not. They said they would look into it and make any corrections in 3 business days. When we got the analysis emailed the next day we found out they double charged us for school taxes and did not charge us for local. We called back after 3 business days and were told they corrected the taxes but no one ran another analysis so our payment would be the same for the month and to pay the elevated amount. We asked them to run it and send us proof, representative said they would. After another phone call several days later this issue is still not solved. We have requested an escrow analysis several times to correct our taxes that Roundpoint messed up. Our local taxes are due in XXXX and as of right now Roundpoint has not admitted they charged us twice for school taxes despite their escrow analysis proving they did. 

First phone call was XX/XX/XXXX requesting the escrow analysis that they did not send us that showed their mistake charging us twice for school taxes. 

Second phone call was XX/XX/XXXX asking for an update and being told they would run another escrow analysis to correct the problem. They blamed the township for not charging us local taxes, but township denied this. 

Third phone call XX/XX/XXXX requesting an update. Roundpoint again said they havent run it yet but can do it today.
Consumer complaint received 2021-02-23
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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, XXXXXXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (CA)

I initiated a dispute for incorrect items which were listed on my credit report. It has been well over 30 days and I still have not received any response or investigation results.
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/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, Trans Union or XXXX  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. 
XXXX XXXX XXXX
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MI)

The property was placed in forbearance under the CARES act and paid in full at closing. No payments were never late but it shows I was 60-199 days delinquent which is inaccurate. LoanCare LLC confirms this to be true. They reported it internally with XXXX XXXX based on the deferment and it's triggering XXXX XXXX and XXXX XXXX to believe that the payments were late. I need the " deferred status '' to be removed so that it shows no late payments.
Consumer complaint received 2020-09-20
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. (AL)

I SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-05-17
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. (CA)

My student loans were consolidated in XXXX with XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act.  therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I also looked at the amount from each report and how much the loans have increased per month. It does not add up. Look at the account history on the Experian  page and you will see that between XX/XX/XXXX to XX/XX/XXXX, it increases from {$22000.00} to {$22000.00}. As you can see the other months, the amounts do not add up to the claimed percentage based on XXXX rate. I have been disputing with XXXX, XXXX, and Experian since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

XXXX and Equifax are refusing to conduct any investigations into my disputes regarding false late payments. I have been disputing since XX/XX/2021. Each time they Verified as accurate. When I called the representatives admitted to seeing the inaccurate late payment statuses but referred me to the original creditor. So, finally, I had XXXX separate Artificial Intelligence ( AI ) credit monitoring services and XXXX XXXX  which revealed that Equifax is reporting XXXX Late Payments and XXXX is reporting XXXX Late Payments. These late payments are being updated every month. I have asked for proof of all late payments and the method of verification. I have been denied by both agencies. These late payments are a blatant and deliberate Lie!!!!!!!
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

- this is my second complaint because the first was responded to but not resolved : -XXXX ) how can you hold a payment for XXXX days when it is made VIA the Capital One app from a Capital One 360 Bank account to a Capitol One Credit Card? 
XXXX ) XXXX days is exorbitant- especially for a payment from CAPITOL ONE TO CAPITOL ONE : a check clears IN 5-7 business days - how can you hold a direct transfer for XXXX? 
- I follow all the guideline for making payments : on time as ahead of time, from the same account, from the CAPITOL ONE TO CAPITOL ONE VIA CAPITOL ONE! 
Im not asking for more credit - Im asking to have the hold released on my payments and whatever flag is on my account to be taken off. 
- Tell me the actual reason or instance that my payments triggered a flag operation for a XXXX day hold on my account- not the general information. According to their own paperwork I follow their procedures exactly. 

That is an absolute non response : my issue is that I HAVE MADE ALL MY PAYMENTS ON TIME AND WELL AHEAD OF TIME VIA A CAPITAL ONE BANK ACCOUNT IN THE SAME MANNER AS I HAVE SINCE I HAVE ACQUIRED THIS CREDIT CARD FROM CAPITAL ONE : There is nothing in their agreement that would trigger a hold on my account. How is a XXXX day hold on applying the payments that have cleared through my CAPITAL ONE BANK ACCOUNT TO MY CAPITAL ONE CREDIT CARD that I paid via The CAPITOL ONE APP -a reasonable or rational action? I am not asking for a credit increase of these payments : I am asking for and expecting my payments to be applied in a timely manner. My issue is with the length of the hold and their total unresponsiveness to this issue, as well as the fact that since the hold is for so long it affects my credit score as it is seen as I am utilizing the entirety of that line of credit - even though it has been paid off. How is that a fair response to the consumer? This hold has also caused me undo stress and lost time due to the fact that I relied upon this card to pay monthly bills - of which now I have to check all my accounts and adjust accordingly because there is a hold on my account. I plan on reissuing this complaint. 
It does not address the complaint of applying my payments in a timely manner or the fact that the payment is from with in their own companies ecosystem.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent letters repeatedly to XXXX, Experian and XXXX  requesting to remove inaccurate addresses from my credit report. 

XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.
Consumer complaint received 2020-09-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously disputed the Ch XXXX Bk on the experian credit report. I inquired as to where the reported information came from and if they were able to verify how they received said information. The dispute was closed and is unable to be re opened and the information as to who reported this to them has not been provided.
Consumer complaint received 2019-05-28
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: ID Analytics, Inc. (PA)

I received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (ND)

Due to a theft my Amazon store card with Synchrony was compromised earlier last summer. I reported it to the local authorities and have a police report to verify my statements. All financial institutions were notified of the incident to include Amazon and Synchrony. All documentation relating to incident was provided to both companies with instructions to delete derogatory and false, misleading, inaccurate information relating to this account.
Consumer complaint received 2023-01-31
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. (MD)

In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681S2. 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.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Privacy violations.

Abusive of power and abusive of incorrectly reporting.

Requesting a credit report for an impermissible purpose.

Failing to follow proper debt dispute procedures.

Furnishing and reporting old information.

Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau XXXX. XXXX. EQUIFAX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

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 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent letters repeatedly to XXXX, XXXX  and Transunion requesting to remove inaccurate addresses from my credit report. 

XXXX has these addresses : XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.
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. (MA)

I requested Equifax to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX