davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (MO)

I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, Equifax, and XXXX.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have investigation results proof that inquiries were remove from my credit report but Equifax has not delete them from my credit report. I have 2 equifax investigation results stating taht inquiries and accounts have been deleted from credit profile but the inquiries are still reporting on my credit report. Called Equifax multiple times nothing is being done and they're being very unprofessional over the phone
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (SC)

XXXX Spoke with company about resolving debt they told me I could for XXXX. I told them I had XXXX she told me they could not and if didn't call by XXXX day of XXXX 2020 the original debt would be due I said ok.. 

XXXX Called back to talk with supervisor about the same and she was even more rude and threatening telling me I had to pay and XXXX was too low or they would keep calling
Consumer complaint received 2020-08-19
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. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refinanced my primary mortgage in XX/XX/XXXX with Rocket Mortgage. My mortgage was a 30year fixed at 4.625 % with taxes and insurance escrowed. I refinanced into a 30 year fixed at 2.75 % with taxes and insurance escrowed as well. My original balance was {$550000.00}. In XX/XX/XXXX, I received my escrow analysis statement showing that my escrow account is short {$5700.00}, and that my payment would increase by {$490.00} for the next 12 months. I immediately called Rocket Mortgage and was initially told that my taxes increased and that caused the shortage. I talked with the representative and told him this was not the case and the amount did not increase this much. I told him that I just refinanced in XXXX and there could not be this large of a shortage this quickly. He was not able to give me definitive answers but he transferred me to the executive offices where they could follow-up. I spoke with a lady who looked into my account and said she could see that my escrow account was underfunded at closing, but she wasn't sure why or how it happened. She would research it and call me back within 10 days. When she called me back she stated that she was originally correct in that my escrow account was underfunded for some reason and I would be responsible for the shortfall. Rocket mortgage is allowing me to pay the shortfall over 24 months as opposed to the usual 12 months.
Consumer complaint received 2022-08-05
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. (NY)

I ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have inclosed a letter explaining our long drawn out frustrations with Wells Fargo. 
I am submitting Documents and receipts showing our cost of what it took us to complete our process on removing PMI on our mortgage. Before COVID-19 and up until now I have made numerous calls to Wells Fargo Representatives whom claim they are here for us through letters they send us. Every time I call and leave V.M. 's I have yet to recieve a call back. No response. One of the representatives ( XXXX XXXX XXXX ) called and said she could not help us and we need to go through someone else. XXXX was very nice, she just was not there for us as stated that she would be in letter she sent us. Wells Fargo has continued to lie to us and misrepresent us. No one at Wells Fargo wants to take responsibility.
Consumer complaint received 2022-08-05
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2022-07-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-08-05
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. (NY)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-29
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-05-17
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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A. (PA)

MymortgagewastransferredXXXXXXXXtoFlagstarBank.DuringthetransitionperiodXXXXXXXXreportedtothecreditagenciesthatmymortgagewasclosed.OfcourseitwasnotcloseditwastransferredtoFlagstarBankbyXXXXXXXX.MycreditreportsufferedbecauseofthisandbecauseFlagstarBankdidnotreportmymortgagepayments.IreachedouttoFlagstarBankandtheysaidtheydidreportitandIbuttheycouldnotshowmeverificationofthis.Iwouldlikethissituationrectifiedassoonaspossible.Thankyouforyourhelp.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020, Chase reduced my credit limit by {$4500.00} ( from {$12000.00} to {$8000.00} ) the amount of available credit I had on a credit card I have with them after making a payment of that size. 

I made a significant payment of thousands of dollars on my Chase card to have more available credit and improve my credit. Immediately after making the large payment, Chase reduced my credit limit just above new, lower balance, thereby rendering my card fully utilized and effectively nullifying any financial improvement or benefit of the sizable payment. 

I made the hefty payment to Chase to open up available credit so that my card would not be fully utilized. The available credit would have helped improve my credit score and general financial standing for my finances in the future. Reducing my credit limit, immediately after making a payment, just above my lower balance sets me back financially and prevents any potential improvement with my finances and credit.
Consumer complaint received 2021-01-20
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. (NY)

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXXXXXX XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.
Consumer complaint received 2017-09-30
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. (NY)

I contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.
Consumer complaint received 2017-12-25
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. (NY)

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Consumer complaint received 2022-08-05
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. (FL)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; US SM BUS ADMIN ODA Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.
Consumer complaint received 2020-04-29
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. (UT)

XXXX XXXX is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.
Consumer complaint received 2020-08-19
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report
Consumer complaint received 2022-08-05
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. (GA)

In accordance with the Fair Credit Reporting act Collection 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 2020-06-23
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: Synovus Bank (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. 

I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. 

Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2020-08-19
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. (CA)

MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

After been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( EOS CCA XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package submitted via CFPB for your reference.