davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: Mr. Cooper Group Inc. (MI)

I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last XXXX to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX pm called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Consumer complaint received 2024-02-13
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. (FL)

Dear Equifax, I am writing to express my deep concern regarding the improper use of my credit report and the consistent reporting of inaccurate information to your bureau. 
My equifax credit file should have been frozen but it wasnt. Equifax should have abided by consumers choice on the call when I requested a freeze. Furthermore, it is reporting a XXXX FICO score. 
As a consumer, I entrust Equifax with sensitive financial data, expecting it to be handled with the utmost care and accuracy. However, recent experiences have led me to question the ethical standards upheld by your organization. It has come to my attention that my credit report has been utilized improperly, potentially for the benefit of Equifax, through the sale of inaccurate information. This unethical practice not only violates my trust but also undermines the integrity of the credit reporting system as a whole. Furthermore, I have repeatedly encountered inaccuracies in the information reported by Equifax. These inaccuracies have had detrimental effects on my financial well-being, leading to unfair denials of credit and other opportunities. Despite my efforts to rectify these errors, they persist, indicating a systemic failure in your data management and verification processes. I demand immediate action to rectify the inaccuracies in my credit report and to ensure that my information is not misused for your benefit or that of any third party. Additionally, I urge Equifax to implement stringent measures to prevent such unethical practices from occurring in the future and to restore trust in your organization among consumers. Failure to address these concerns promptly and effectively will leave me with no choice but to pursue further action to protect my rights as a consumer. I trust that Equifax will take this matter seriously and prioritize the integrity and accuracy of the information it handles. I look forward to your prompt response and resolution of these issues. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax is reporting an incorrect address that does not belong to me and has never belonged to me. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX US Dollars per violation and they are violating my rights.
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX # XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (NJ)

My monthly payment for XX/XX/XXXX was due on XX/XX/XXXX. On XX/XX/XXXX I sent in a request asking for my payment to be deferred to the end of my loan. I received an email response on XX/XX/XXXX explaining the terms of doing such an action and that if I wanted to proceed I needed to reply back as it was time sensitive. I did as directed. On XX/XX/XXXX my account was debited for the amount that was agreed to be moved to the end of my loan. I sent multiple emails asking why the agreed upon direction was not followed. On XX/XX/XXXX I received a response back saying the request was being sent to the appropriate department for review. Email responses ceased until XX/XX/XXXX when I received the same " sent to the appropriate team for review '' response. It has now been two weeks, no resolution, and customer service has again stopped responding. I have over 20 emails regarding this situation as well as multiple daily phone calls that go unanswered. I want my money refunded per the agreement we had in writing.
Consumer complaint received 2024-02-12
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 Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that Equifax and XXXX initially blocked those two accounts, but they re-appeared months later.
Consumer complaint received 2024-02-12
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. (MD)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-12
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. (TX)

XXXX has so many inquiries which is against the equal fair credit reporting act witch is a fraudulent reporting consumer transactions against consumer law so my credit was stolen color of law has took place 242 USC subsections 1983 my credit I extended I got back nothing...
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CO)

I attempted to establish a Binance.us account and provided a significant amount of personal information. The site indicated that there was a problem with address verification, which I attempted to correct a number of times ( I have lived at the same address for 10 years and submitted the exact documents they requested ). I sent numerous documents, emails and support tickets seeking assistance to fix the problem and never received a response. I then asked them to close, delete, or deactivate my account and received no response. I fear that this company is a fraud after months of attempting to make contact with no response. I provided personal information and now need verification that the information has been deleted or deactivated.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX  at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX  at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ). 

It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.
Consumer complaint received 2024-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

My acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My husband was in the hospital and on XX/XX/XXXX I contacted government program was told the we qualified for program for families having hard time told to contact Wells Fargo. When I called WF they told me I didn't qualify because my payments were upto date. My husband passed away and I called WF and was told my husband had to be alive to quialify. I called the government program back and was told to make WF do something for me. I called WF and was assigned XXXX XXXX. Was told to send worksheet, hardship lettler and proof of Income on XX/XX/XXXX. Was told by XXXX WF would refinance my loan put in any missed Payment ( she had told me stop making payments starting on XX/XX/XXXX ) into the loan. I was told to pay off my car, credit cards and medical bills.on XX/XX/XXXX I faxed XXXX check stubs, hardship letter and monthly expenses.On XX/XX/XXXX XXXX XXXX was my respresentative ( XXXX XXXX XXXX ). On XXXX XXXX XXXX I received a letter from XXXX XXXX telling me the rules had not been followed because of the time frame.. I rec 'd a letter from XXXX XXXX on XXXX XXXX XXXX stating they will not be able to find a solution.I call WF and spoke with XXXX and she told me not to worry even if I receive a foreclosure letter just keep working with them. On XXXX XXXX XXXX I rec 'd a letter from WF they had approved a short sale. Rec 'd al from XXXX, XXXX XXXX XXXX XXXX Foreclosure natice. on XXXX tried to block sale. ( Section XXXX of Real Estate Settlement ) On XX/XX/XXXX I spoke with XXXX at WF and was told they couldn't find the paperwork for the liens and IRS paperwork. If I could get that info to them they would do an emergency approval to take it out of foreclosure.. On XX/XX/XXXX WF was waiting waiting for approval from FHA. On XXXX XXXX XXXX I was told they had sold the property. On XXXX XXXX XXXX I spoke with XXXX XXXX and was told well fargo wasn't going to do anything for me, I was also told Wells Fargo made a {$23000.00} profit from the sell. I asked for that as I was told my an atty. The bank had to give me and profits and was told they didn't care they were not going to give it to me. The person XXXX who bought the house told me he was a retired builder and when my husband went into the hospital in XXXX XXXX Wells Fargo called him to ask him if he wanted to buy the house. At that time I had never missed a payment
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have provided Equifax will all requested documents for my identity theft case they continue to refuse to remove a fraudulent account from my credit report. Both XXXX and XXXX have followed the law and removed the fraudulent account that resulted from Identity theft. 
I have provided an FTC identity theft report, a police report, an affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX Bank. XXXX and XXXX complied with the requests and the law but Equifax is refusing to do so. 
Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 

Conducting an investigation of the furnisher 's reporting is NOT part of the identity theft blocking process, and is NOT basis for denying the block under section XXXX05B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616.

I am in contact with an attorney and will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately. Stop telling me that you have verified the account as accurate.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-01
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?
Consumer complaint received 2024-02-11
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. (MI)

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHALLENGE FINANCIAL SERVICES (FL)

This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, CHALLENGE FINANCIAL SERVICES, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.
Consumer complaint received 2024-02-10
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. (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.

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.