davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied over the phone to get my yearly free credit report from all XXXX reporting agencies. All three sent back a letter, stating that I would need to send a copy of current Driver 's License, a copy of a Bank statement and Utility bill. I sent this info out and received my credit report from XXXX and XXXX. I then called Transunion to ask about the delay and was told that they were unable to read the copies I sent out. I had copies for myself and had no problem reading them. I then sent out XXXX copies of Driver 's License and Bank statement ( which were copied in color ). I was told this time that the Driver 's License could not be accepted because I had it longer 2 months. Which make not sense at all! So now I am left unable to get my report from Transunion.
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-10
Product: Credit reporting 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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/scrub>XXXX  Please remove it from my credit report. 
3. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the unauthorized inquiries for your reference.

I understand that unauthorized inquiries can occur due to identity theft or errors in reporting. However, it is crucial to promptly address and remove these inquiries to ensure the accuracy and integrity of my credit report.

I request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Conduct a thorough investigation into the unauthorized inquiries listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future.

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the unauthorized inquiries.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this dispute. I expect a timely response in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.
Consumer complaint received 2017-09-09
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. (MT)

I, like 143 million other Americans, found out today that my personal data, including name, DOB, address, SSN, etc. were compromised in the Equifax security breach. It is unacceptable that the company is offering only one year of credit monitoring as recompense for this mistake. This information can be sold and is just as valuable fifty years from now as it is tomorrow.
Consumer complaint received 2024-02-10
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-02-10
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My legal name is not reported on XXXX and it will not let me update my information, yet I have had the name for over 10 years ; There are employers reported I have no knowledge of and accounts opened that I also have no knowledge of. I can not receive any of the XXXX credit reports because I am unable to verify my identity because the information I have found reported to XXXX does not belong to me. My monthly income is not accurate either.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (MI)

The XXXX XXXX forbearance plan that I was on ended on XX/XX/XXXX. In order to bring my account current, I requested a loan modification plan. XXXX offered a flex modification plan. The paperwork was missing key information for the modification term comparison in part XXXX of the agreement ( attached ). This included payment breakdown, new loan amount, and an amortization schedule for the new term length. This was important because upon review of the numbers, the new payment amount did not equal what would be expected for the new term length ( XXXX compared to current XXXX ). When I contacted XXXX on XX/XX/ to discuss they advised us that the information requested is not available and could not provide any indication of how the payment amount was calculated or how it would be applied to my outstanding balance ( including principal, interest, and escrow ). Additionally, they did not provide the new loan amount that would be used for the modification. The agent noted that the amounts on the agreement were only estimates. Despite these terms being estimates, they could not provide any insight on how they were calculated. They advised signing the agreement blindly and that the details/payment calculations weren't important because there will be a new review of the loan in XXXX months.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.
Consumer complaint received 2024-01-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (MO)

Today I received a deposit from my unemployment that has yet to show on my account. 7 days ago on Tuesday at XXXX I tried to buy some food from XXXX it got declined due to my zip code having changed. They charged me twice and told me it was actually my card company, I called my card company every day for the past 7 business days just for them to lie to me, run me around in circles and hang the phone up on me multiple times when I ask for someone higher up. They tried to say I had a negative balance when it's an unemployment card and I've never went negative a day in my life. They then blamed the merchant, when I got the letter they claimed I needed from the merchant they then changed it and said oh they need to fax it to us it cant come from you. They constantly change the time I have to wait for my money to get back to my card and tried to tell me i couldn't count. Now today is day XXXX it's XXXX and my money still hasn't came back, and they keep putting me on hour long holds to keep me from getting answers. I'm truly convinced they are stealing peoples money and not training anyone for real. Because everyone, supervisors and employees have lied to me in the last 7 days and told me everything but a solution. They in total owe me {$170.00}, that's including my refund from XXXX and my deposit from unemployment.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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 2020-10-10
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: CL Holdings LLC (MO)

I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion had a computer breach in their system that violated the rights of their consumers under section 611 5 ( b ) of the Fair Credit Reporting Act. I have been gravely affected and my report is suffering as a result. This computer glitch that caused all of the inquiries on my credit report to be deleted, and my credit score increased. The next week, all of the inquiries were reinserted without prior written notification in violation of Sec. 611 5 ( b ) of the FCRA. I have spoken with multiple reps of Transunion, who acknowledged the security breach occurred several times in XX/XX/2016, but refused to fix their errors on my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit report. I demand the following inquiries be removed immediately : XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, and XXXX XX/XX/2016
Consumer complaint received 2017-09-08
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. (WI)

On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

To Chairman and CEO XXXX XXXX XXXX : I called your customer service number at approximately XXXX, on XX/XX/2016. The hold time was very extensive. Subsequently, a representative who provided the name of XXXX answered, and then verified by password and other information. I seldom dial your Customer Service Department ; however, upon reviewing my online account, I noticed that a NSF charge dated XX/XX/2016 was assessed to my account. I asked XXXX when the returned item was presented to Compass Bank for payment. XXXX told me to hold for a brief moment, and before I could respond, he had placed me hold. After holding several minutes, XXXX hung up. I want the call reviewed. And I want XXXX discipline. 
Basic customer service training should require that Compass ' telephone representatives ask to place a customer on hold, and then wait for a response. Further, under no circumstances should a representative hang up on a customer, particularly since he knew the office would be closing soon. Presumably this is why I was placed on hold and disconnected. Further, the question that I asked, should not have required that XXXX place me on hold at all, considering on the previous day, I asked the same question inside a Compass branch, and the teller check the records in a matter of seconds. 
Regarding the issue of why I called. I visited your branch location at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2016 and made a {$200.00} cash deposit. My receipt is time stamped XXXX. I asked the teller to advise if there were any pending items or NSF items. He checked and advised separately that there were no pending items, nor recently returned items. 
I submitted an electronic check late XX/XX/2016 for {$1200.00}. On the morning of XX/XX/2016, when I realized other items had cleared overnight, I made a deposit to cover the outstanding check of {$1200.00}. Yet, there is a NSF Fee assessed on XX/XX/2016. I want documented proof of when the electric check in the amount of {$1200.00} was presented to Compass Bank for payment. Considering how long I have had an account, with direct deposit, with this company, the {$1100.00} balance, prior to the {$200.00} cash deposit, should have been sufficient to pay an item in the amount of {$1200.00}, without me having overdraft protection. I know that you could have assessed the fee and still paid the item. I recognize that Customer Service may not be your company 's focus. Perfectly, acceptable, as I can remove my direct deposit from your bank. However, I do want a document reflecting when my check was presented to Compass for payment.
Consumer complaint received 2017-09-08
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. (IN)

My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.