davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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: Southwest Credit Systems, L.P. (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 contract with these companies. I do not recall doing business or applying for these accounts, please see the following : XXXX XXXX # XXXX, SOUTHWEST CREDIT SYSTEMS # XXXX.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (IL)

Violation of Cares act and XXXX XXXX. Can't get anyone on the phone- yet again. Conflicting letters sent, along with a paper they want me to sign agreeing to the forbearance terms 1. not what was discussed 2. violation of Cares and XXXX XXXX ( who holds my loan ) to report to credit agencies and can not make all the money due plus the 4rth payment at the end of the loan and fees ( which they aren't allowed to charge.3. Sent conflicting letters ( see attached ) 2 different dates, XX/XX/XXXX and XX/XX/XXXX. 4. no one answers the phone and despite being given email contact they say they can't communicate that way- are you kidding me??? I can contact a supervisor but you can't get through to them either. Contacted an attorney and have a meeting Monday to pursue legal action. Funny after I contacted you the last time when I couldn't even get someone to call to set up forbearance they called in 2 hours. This is beyond ridiculous.
Consumer complaint received 2023-08-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2021-03-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-07-31
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. (MI)

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.

The letters are stated with items and issues.

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 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I disputed a XXXX/XXXX/16 entry of a credit inquiry on my Equifax credit report by an online retailer named XXXX but Equifax refused to remove the inquiry. The credit pull was fraudulent and made as a result of an attempt by a person ( unknown to me ) placing an order and requesting credit in connection with doing so. The fraud was identified before shipment was made but false credit inquiries impact credit scoring negatively. I never placed an order or requested credit so no proper request to review my credit was made and no inquiry should be shown on my report. XXXX directed me to file a dispute with Equifax but when I spoke with them ( after XXXX attempts resulted being transferred and cut off ) XXXX in the Equifax fraud department informed me that Equifax does not really allow disputes for credit inquiries. Apparently Equifax allows consumers to submit a dispute online ( as I did ) but they are not handled seriously. Instead, the information remains as a " factual record '' that the credit pull occurred. This was my result. Equifax policy is that they will not make a change the entry without action by XXXX ( their client ). I am filing this complaint because Equifax 's position is wrong. I have the right to request a substantively meaningful investigation, not simply a sham review. Finally, I also contested an oil and gas credit inquiry when I disputed the XXXX credit pull because I did not recognize it - I never applied for an oil and gas card.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MO)

My complaint it against Equifax credit bureau. First, I am not disputing if the debt is mine or not, or if the credit reporting information is correct or not. I understand and acknowledge that the is my debt. I am filing a complaint because according to the new credit reporting rules, once a medical debt has been satisfied, it is to be promptly removed one 's credit history. I paid the medical debt last year and I am asking for it to be removed. XXXX was helpful and removed it with no problem, now I am asking Equifax to remove it. Below are multiple news links that ran articles about the new credit reporting rules. 

Here are the links from reputable news organizations detailing what the new credit reporting rules are : XXXX : XXXX : XXXX : XXXX
Consumer complaint received 2023-08-01
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. (GA)

Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX XXXX, Status Incorrect.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit lock feature faded out completely right after I tried to correct the lock feature not working at all. So I don't what state the lock feature is in, only that after trying to get it to toggle that it faded out completely
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I had home loan mortgage with Washington mutual bank from XXXX to XXXX, for year XXXX and XX/XX/XXXXmy real estate taxes paid on somebody else home instead of my home. My loan id # XXXX. I need payment history for year XX/XX/XXXXand XXXX.
Consumer complaint received 2023-07-31
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. (NY)

I sent a letter to Equifax on XX/XX/23 to remove inaccurate credit information. After 30 days of no response, I followed up with another letter on XX/XX/23, and still no response. I plan to send a third letter this week.
Consumer complaint received 2023-07-31
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. (CA)

Equifax continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Equifax with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Equifax.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Over the last several months I attempted to resolve inaccurate reporting by this organization. I have made several calls and reviewed my payment history with the organization. Each time ended in no resolution. Payments were made in excess of the the minimum amount and account was paid in full and is still showing a balance. The final payment was cashed in XX/XX/2021. The organization acknowledges that payment was received and still reported late payment. I have disputed this account twice on the XXXX  site and still have no resolution.
Consumer complaint received 2016-01-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.
Consumer complaint received 2023-07-31
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. (CA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-31
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. (LA)

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.

The letters are stated with items and issues. 

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 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

We hired home depot to renovate our kitchen in XX/XX/XXXX. We used their offered 24 month 0 % financing promotion and put the full amount on the Home Depot credit card. For the first 6 months, no interest was charged. However, after 6 months we started getting interest charged. Apparently a 6 month promotion was attached to the account and not the 24 month promotion as described in the signed contract. Because we had it on auto pay - {$1000.00} per month, it took me a while to realize this - roughly XXXX months. In the last 18 months I have called at least 6 times. On 2 occasions, I eventually spoke to a " credit supervisor '' who assured me all the finance charges would be removed and the incorrect 6 month promotion would be modified and corrected to the correct and agreed upon 24 month 0 % promotion. I have a recorded phone conversation of the 2nd conversation from XX/XX/XXXX where the representative assures me the promotion will be correct/backdated to the original date and all the accrued financial charges will be removed. When there were not changes made, I called again on XX/XX/XXXX and was assured it would be taken care of within XXXX days. As of XX/XX/XXXX, we had paid the full amount of the kitchen renovation and other purchases without paying any of the interest charges- so by my math the balance on the card should be {$0.00}. I called again on XX/XX/XXXX after again no changes were made to the account and spoke to a supervisor who told me the promotion had expired so the finance changes could NOT be removed. I went back and forth but no progress even with the complete lack of logic. I told her I have a signed contract the specifies a 24 month 0 % finance promotional period. She told me the request was being denied from higher in the company and gave me a po box to write a letter to explaining the full situation - to " The Executive Response Unit '' XXXX XXXX XXXX XXXX XXXX 
I have also use the messaging system on the Home Depot web site on 3 occasions where I explain everything that has happened and included a link to my XXXX XXXX for the signed contract dated XX/XX/XXXX. One response was completely off topic and the most recent response was that the promotion had expired so we owe all the interest from the 18 months - at this point that is about {$9000.00}. So complete disregard for the signed contract, in fact not even acknowledging the existence of the contract.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Ref. : Company : PAYPAL CREDIT/SYNCB ( Synchrony Bank ) Address : XXXX XXXX XXXX, XXXX, PA XXXX Account holder name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Payment amount : {$2500.00} Dear CFPB Repr. 
On XX/XX/ I sent XXXX XXXX official bank check with USPS registered mail to the company with payment coupon. Please see attached, payment coupon, USPS receipt and copy of the check attached. The Check was received by company on XXXX XXXX XXXX please see USPS tracking screenshot attached. On XX/XX/ I submitted lost check dispute with the company and spoke with representatives several time about lost check. Today I received email from my bank, XXXX XXXX that check was returned by company to them because Synchrony bank hey were unable to locate the account which is very strange after all. My bank will be reissuing check and sending it but meanwhile I strongly believe Synchrony bank should waive all the interest charges and fees associated with none payment because it was clearly their fault and they did admit on the phone when I spoke with managers on XX/XX/ Manager name XXXX XXXX XXXX XXXX that it was computer glitch. 
Please let me know if you need any additional information. 
Thanks, XXXX XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Ive spoken with XXXX XXXX about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Consumer complaint received 2023-07-31
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-07-31
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)

On my XXXX credit report theirs a negative item that has a balance of XXXX its a charge off account XXXX supposed to have that item removed due to fraud I filed a federal trade commission identity report it should be on filed and also the other three negative items that are charged off should be removed from my XXXX credit report I filed a federal trade commission identity report on those items too and also the hard 4 inquiries are fraud too please removed them my social security number is XXXX and on my XXXX XXXX report theirs 4 negative items that are charged off and equifax their is one 1 item that's charged off I filed federal trade commission identity report with those agencies too please other to agencies removed them to due to fraud