davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (OK)

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-04-18
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. (PA)

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 an account without my written instructions Inquires 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (CA)

ALL 3 credit Bureaus have been made aware via certified mail. 
Sent in FTC report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XX/XX/XXXX Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XX/XX/XXXXXXXX XXXX XXXX XXXX Accounts Affected by theXX/XX/XXXX Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (KY)

On XX/XX/2022, an interest rate was locked with Sun West Mortgage company for a borrower. On XX/XX/XXXX, without prior notice, Sun West unlocked the client 's rate and required that we re-lock the rate. The client had already signed the rate lock agreement. After asking that Sun West re-lock the interest rate based on the signed agreement, we were informed that they refused to re-lock the original rate. They insisted that I re-lock the rate even though they refused to give any prior warning. Sun West has very unprofessional business practices when the borrower or mortgage broker has done nothing wrong. This is an unethical business practice and should be illegal. Sun West has failed to put the consumer 's best interest first with their business practices.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid two payments of {$25.00} and {$20.00} dollars equaling to {$45.00} dollars. Yet, Kohls credit card still posted on my credit report late payment of {$40.00}. Which, I should be in good standing. I want late payment removed because I made payment within grace period.
Consumer complaint received 2022-05-21
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-05-21
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)

The following inquiries shown below are fraudulent activities on my Equifax report. I would like them deleted off my report please. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the 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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (TN)

I received a copy of my credit report and found an account that does not belong to me. I did not open this account. The account is with XXXX XXXX XXXXXXXX XXXX. I do not have any accounts with this company nor have I ever.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (NV)

My bank, Albert, advertised a {$75.00} bonus for moving your qualifying direct deposit to their institution. I moved my direct deposit to my account and received the first deposit of {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX I messaged them regarding the bonus because I had not received it. They advised that it had not been automatically detected y their system but not to worry it could be done manually. They requested a copy of my paystub, at which time I informed them it was a benefit deposit but that I did have proof. I sent them a copy of my benefits verification and was told to expect the deposit any day. 
On XX/XX/XXXX, after still not receiving the bonus, I reached out to their support team once again. I told them of the previous conversation and once again sent my benefits verification letter. They responded and told me my deposit did not qualify because it was benefits and not from am employer. I screenshot the terms and sent that along with a statement that it clearly states benefits do qualify but that short-term benefits do not. My benefits have been ongoing since 2002. They repeated their previous claim that mine did not qualify because it was not from an employer. They advised me to sign up for a new account and bring my direct deposit and then I will get the bonus. I told them I would be filing a complaint. Some days later it crossed my mind to check under the option to automatically connect and transfer my direct deposit and see if Social Security was an offered option. It turned out it in fact was as well as SSI being one. Still I am being denied the bonus.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize report to my credit I contacted the credit bureaus and the creditor of this matter, I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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 ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MD)

In an effort to close on our home loan today XX/XX/XXXX. We set up a wire transfer on XX/XX/XXXX for XX/XX/XXXX. Being that our Ally account was younger than 90 days we required an exception to transfer for than XXXX. We needed to transfer XXXX. With that information we reached out to Ally twice asking did we need to provide any additional information regarding the wire ( XX/XX/XXXX ). Both time we were advised that if they had any additional question that would delay the transaction they would advise. On the day of our closing the funds did not transfer. In fact our request was reviewed at XXXX pm on XX/XX/XXXX and did not move forward again until XXXX, our closing was at XXXX. We have yet to close on our home.
Consumer complaint received 2022-05-20
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

FEDLOAN is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to graduation.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately. 

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 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 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 Please remove it from my credit report.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

Bankruptcy I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes
Consumer complaint received 2022-02-04
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. (NC)

On XX/XX/XXXX I sent, through certified mail, a letter to XXXX, Equifax, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Equifax XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX  credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-02-04
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: Navient Solutions, LLC. (AL)

I have attempted every ave I can think of. Navient refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AK)

We have been dealing with a foreign vendor that has was not able to ship out a very expensive dog slat mill from purchase time in mid XXXX. This vendor has been desperate to not refund the money and has said what it took for us to consider salvaging the deal. So we had a dispute with him and closed that dispute as he promised to get the merchandise to us. This vendor knew where we lived as he charged shipping as part of the original item quote. He still could not get it shipped to us and I filed a complaint with the CFPB back in XXXX because my credit card company would not re-open the dispute. They only re-opened the dispute after I filed my CFPB complaint. Meanwhile the vendor told my husband in an e-mail that he had to take the item apart to limit weight to send air freight and that if he could n't send it out within a week from XXXX XXXX, 2017 that he would refund our money. We never heard back so after a week and 1/2 I contacted him and he was very rude saying I had called him names and a scam, which is not true. I said I was inquiring about the refund he promised if unable to ship a week from XXXX/XXXX/17. It was now XXXX/XXXX/17. He simply comments he will refund the money if not able to send out. I told him in that e-mail enough was enough and not IF he would refund ... but WHEN he would refund. So when my credit card company ( Citibank ) re-opened the dispute they gave me a conditional credit back. The vendor had NEVER communicated with us since that XXXX XXXX, 2017 e-mail. He never shipped out the item. IF he had we would have had tracking information, etc. SO what does he tell my credit card company? He tells them he shipped the item. I never even saw what he provided my cc company. However, what did they do? They put the charges back on my credit card and now I am over the credit limit. Really? I am their client that they should protect from unprofessional vendors who have a history of scamming people. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX will scam you. : XXXX XXXX I actually just posted on the facebook page about XXXX being a scam artist. 
I did sign, date, and resubmit the emails to my credit card company indicating I want the dispute to continue. The cc company has an obligation to make it right with the consumer. It is a {$1500.00} item, and we absolutely did not receive this item. Being located in a remote, rural area, it is very easy to see if an item was sent or received. I want the credit card company to refund my money and close the dispute recognizing that the vendor is fraudulent and again owes some level of protection to the person they have obtaining credit through them.