davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-07
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. (GA)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
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)

I received a copy of my ( XXXX, Equifax, XXXX ) credit report, and noticed a collection that needs to be deleted. It is as follows : XXXXXXXX XXXX XXXX : Account Number - XXXX Equifax has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below. 

15 U. S. Code 1681b ( 2 ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did NOT give Equifax written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX XXXX XXXX has violated my consumer rights as well, which is noted below in 15 USC 6802, so you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now. 


15 U.S Code 6802 - Obligation with respect to disclosures of personal information. THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - Such financial institution clearly and conspicuously disclosures to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information not be disclosed to such third party ; The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such disclosed to such third party ; and The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A : XXXX XXXX XXXX did not disclose to me the consumer that the information reported would be disclosed to the third party, AKA the consumer reporting agencies. 

B : XXXX XXXX XXXX did not give me an opportunity to direct that such information not be disclosed. 

C : XXXX XXXX XXXX did not give me the consumer the explanation of how i could exercise the non disclosure option The law basically states that if all XXXX of these disclosures were not provided to me, that is a direct violation of the law and I have the right to exercise opting out. 

All 3 of these disclosures were not met, therefore i am demanding to opt out of having my information reporting and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violation the law after I've clearly explained to you how you've violated me numerous times.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft, my information has been compromised in the Equifax data breach along with a few others. I have reach out to this company multiple times in attempt to get this account removed. I have submitted an FTC report multiple times and still have not seen a change. I need this account that was not authorized and that does not belong to me to be removed as it is impacting my credit worthiness, and my chances of obtaining a mortgage
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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 2020-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

On XX/XX/XXXX, i bought a XXXX XXXX XXXX from XXXX XXXX, XXXX Ca. This dealership is no longer in business This car was leased for 36 months through, Volkswagen Credit, XXXX XXXX XXXX, XXXX Il XXXX. Phone XXXX XXXX XXXX. Account number XXXX. 
i decided to sell the car to XXXX and on XX/XX/XXXX i called Volkwagen Credit and was given a customer pay off of {$17000.00} good through XX/XX/XXXX. When XXXX contacted VW they were told the dealer pay off was {$18000.00}.

I called back VW and the told me that the customer pay off was based on residual value and the dealer market value, unless you are a VW dealer. 
i do not understand this and every one i have talked to does not seem to either.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with  the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC (OR)

My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. 
Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.
Consumer complaint received 2017-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

My lender will not cancel PMI even though my home my has gone up significantly in value which as a result brought my loan to value ratio down to 60-70 % ; far below the 78-80 % minimum requirement. They state that is based on the loan amount not the fair market value which again is much more than I purchased it for.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-06
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. (IL)

I have identified inaccuracies in my Equifax Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Equifax. Despite my attempts to address the matter through mail communications, Equifax has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Equifax 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-06
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)

To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-06
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank issue a credit for my XXXX account a couple of years ago when I bought a XXXX  XXXX phone. I finished paying the loan on the phone and after 3 month I decided to cancel the premium insurance since I own the phone., At the time I closed the account on XX/XX/XXXX and paid full balance on the account, and I was told the account was closed. 
A just got a letter dated XX/XX/XXXX, telling me my account has been closed, but I I owed them {$12.00} for Premium insurance for XXXX. 
I called the bank again and asked, Why do I owed them money since I closed the account, they said that as longer XXXX doesn't closed the premium insurance, I have to pay the bank for it. I don't understand. Are they a credit card company or a XXXX company. I have called XXXX a second time to closed the account. this time I got a ticket number XXXX but if they keep billing the bank TD bank, how do you close the account with the bank. It seems to me that they are doing this purposely. Please help. Thank you
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TN)

I purchased my home in XX/XX/XXXX, located in XXXX, TN, XXXX, and initially secured insurance through XXXX XXXX, a provider recommended by my agent. However, I became dissatisfied with their coverage options and user interface after a few months, prompting me to switch to XXXX in XX/XX/XXXX. I have documentation confirming this change, as my lender, Rocket Mortgage, requires escrow for insurance payments, and they covered the premium for the year. 

In XXXX, XXXX was acquired by another company, and they subsequently sent renewal notices to their previous policyholders. Without my consent, they contacted Rocket Mortgage and switched my insurance back to XXXX, causing Rocket Mortgage to pay them again from my escrow account. I received no prior notification of this change, and no policy number was provided to me. 

In XX/XX/XXXX, I received a renewal notice from XXXX, and everything appeared to be in order until I attempted to file a home insurance claim. To my surprise, XXXX informed me that my insurance had been canceled a couple of months earlier due to non-payment. 

After numerous phone calls, I discovered that XXXX had canceled their auto-renewals shortly afterward and claimed to have issued refund checks, the status of which they can not confirm if they were cashed. However, they failed to update Rocket Mortgage, which continued listing them as my insurance provider, leading to my actual insurance not being paid. 

This situation is exacerbated by the fact that my house is now uninsured, and XXXX, my primary insurance provider, refuses to reinstate my policy due to non-payment. Rocket Mortgage 's response to this situation was unhelpful, essentially telling me to find another insurance provider. 

Given that my rates have increased due to being uninsured and my previous insurance being canceled due to non-payment, I am left wondering if I can sue my lender for negligence. It raises questions about the purpose of escrow if I am left to bear the consequences of their failure to make timely payments.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (NJ)

I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.