davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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)

XXXX XXXX has been reporting inaccurate information to XXXX, Equifax and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to Equifax in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof.
Consumer complaint received 2023-10-16
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Good afternoon, Re : Suntrust Mortgage XXXX XXXX XXXX XXXX XXXX - Escrow officer - Title Company In XXXX, my spouse XXXX XXXX XXXX and I refinanced our mortgage. We both were borrowers on the previous mortgage and assumed we were both borrowers on the refinance and have closing documents as well as mortgage statements, which reflect such. The escrow officer was my husbands sister, who I trusted. ( Now XXXX ) We divorced in XXXX, and I was awarded 100 % ownership of the property. A divorce decree and a filed Special Warranty deed reflects this. 

When Covid hit and I became XXXX I contacted the mortgage company and at which time I was told I could not communicate with them because I was not on the mortgage. This news Was a huge surprise. 

After further review of documents I received at the time the divorce I noticed a signed POA from my Ex- husband, had been notarized, but the notary had stamped it, but didnt sign it. 

The notary- was the Ex- sister-in-law ( she had remarried, so I didnt recognize the name ). 

These circumstances have now caused my mortgage to be in default and in foreclosure. 
I have lived in my home for 19 years and have equity but have been unsuccessful at having anyone acknowledge this. I stop the payments until I could solve the issue of ownership.. 

I have tried to communicate with loan provider, to take over loan, modify, loss mitigation, new loan, but no communication. I was told to file XXXX so I could claim debt. ( which I did for that purpose only ) Filled out loan applications, etc. 

Unable to locate Ex and notary will not communicate or acknowledge the error. 



I dont know what else to do I just want to Continue to pay my mortgage and live in the residence. Just need some assistance. 

I hope the info provided makes some since and this situation can be reviewed and I can provided addition info for clarification. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (CA)

This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have XXXX days from the date of receiving those letters to remove those accounts.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP (OH)

XXXX XXXX XXXX over billed, then issued refund deposited to escrow. 
Since this event, which occurred in XX/XX/2024, the bank 's escrow account has been incorrectly projected and the monthly mortgage payment has been increased. Numerous requests to explain the increase have yielded no resolution. 
The escalation in the escrow dept. has not resulted in returned phone calls or explanations. My local branch XXXX also is not able to explain the monthly mortgage increase. XXXX months of back and forth with the bank has not led to the resolution. 
I asked to delete my escrow but I am told this likely not possible. 
I have not missed any payments, I have excellent credit. I have multiple checking accounts with Key Bank, and on the phon I'm often thanked for being a valued customer, but am not able to resolve a basic math problem with Key Bank. 
Please let me know what I can do to resolve this. 
Thank You. 
XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NC)

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

TD Bank : TD Bank is listing a credit account with late payments under my name. I did not apply for any accounts with TD Bank, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

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.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

I received a credit alert that there was a derogatory mark on my credit report on XX/XX/XXXX by Debt Recovery Solutions. The debt was paid in full on XX/XX/XXXX and that group deposited the check on XX/XX/XXXX. This entire process was handled by an attorney, XXXX XXXX. Debt recovery solutions required proof of this payment to remove the item from the credit report. On XX/XX/XXXX, I provided a copy of the deposited check as proof of payment in full. Debt solutions issued a generic response stating that they verified the original debt without any reference to the proof of payment provided. The item was updated as accurate on my credit report. I contacted the credit reporting agency directly and filed a complaint. The credit reporting agency XXXX closed the dispute on XX/XX/XXXX, stating that Debt Recovery Solutions verified the original debt, again with no reference to the clear evidence of account payment. This group has chosen to ignore the evidence of an account paid in full and continue to harass me for payment and update my credit report for something that is incorrect.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I was involved in an auto accident on XXXX. My daughter, age XXXX, and I were transported to the hospital via ambulance and were seen and billed. There was a settlement that sent a check to satisfy me and my daughters bills. ( Both bills were billed in my name ) The original creditor ( XXXX XXXX ) applied the money towards my bill, and kept the overpayment and did not pay the second bill for my daughter. They then sent my daughters bill to collections with Penn Credit Corp. They now are trying to get me to pay a portion of the bill that shouldve already been paid.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

On Friday XX/XX/year> replied to an ad on XXXX regarding an estate sale for a few items. The items were posted on the XXXX page of a person I know personally so I was not hesitant to make an offer. I reached out to my acquaintance via XXXX XXXX and agreed to pay {$450.00} for the items. He replied and asked if I used a XXXX XXXX so I could send in a deposit to hold the items. We agreed on using zelle. He informed me he was out of town and that I should sed the money to his cousin ( s ). He gave me the name and phone number of the person to send the money. I attempted to send {$450.00} to the name given XXXX XXXX. Immediately after sending I received XXXX saying the funds were not transferred as part of a security safeguard. Upon receiving this XXXX the acquaintance stated it didn't go through and to try again. Once again another XXXX and it didn't work. The acquaintance told me the amount must be too big to transfer so he requested I send it in payments of {$250.00} and {$200.00}. One again the same XXXX message. So at this point I said I could bring cash. The acquaintance replied it had to be sent electronically to hold the items. This is when I realized this might be a scam. I immediately contacted my bank ( in which zelle is linked ) and tried to hold payments if any actually went through. It was a Friday evening and I could not reach anyone. We finally got through to the bank the next day. They said we might have caught the transfer in time but no promises. Two weeks went by and we received a letter from our bank that all 4 attempted transfer went through for a total of {$1300.00}. I reached out to my acquaintance XXXX XXXX  ( once I tracked it down ) and asked if he was aware of the scam in his name. He said he alerted XXXX several days earlier but nothing has been done. I also reported this to XXXX who finally took down the Scam content late Saturday XX/XX/scrub>XXXX
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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: Conn's, Inc. (TN)

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONNS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I am unable to log into, pay, or negotiate this account. Apparently, comenity bank is experiencing a nationwide system failure/glitch that is preventing consumers from logging into their accounts. However, I keep receiving " late/past due '' emails and have another incoming payment due in a few days. Whenever I call their customer service department, I keep being told to " Call back later because of a system update/ outage. '' I have been told this same thing for weeks now every time i call. I do not know what else to do? 

Furthermore, the loan amount in question ( {$4100.00} and change ) is incorrect. I have only received treatment ( 2 ) treatements that should have only totalled {$400.00}, from Comenity Bank 's provider, XXXX XXXX. Althought the balane was brought down to about {$2100.00} and change, this is still too excessive considering I only received 2 hair/wash/groom appointments that should have only costed me about {$200.00}. 

Lastly, I never received an itemized receipt detailing the charges of only the 2 treatments i received at XXXX
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS as soon as possible.
Consumer complaint received 2022-09-23
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.