davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (CO)

In XX/XX/XXXX I contacted Experian to correct a negative payment history on a credit card with XXXX XXXX from XX/XX/XXXX. I provided the following information. 

In XXXX XXXX XXXX I was deployed when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

Experian closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from XXXX XXXX. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If Experian or XXXX XXXX had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that Experian actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX XXXX : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (IL)

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 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on the XX/XX/2021 Bank Of America charged me 3 overdraft fees on items that I already paid for days prior, their excuse is that the merchant just came in to collect the funds that was promise to them. My concerns is that when I made these purchases the funds were available on that day and they were subtracted form my checking account on the day of the purchase in other words they were reserved for the merchant if the merchant came to collect their funds a week or a year later, if the funds were already subtracted on the day of the purchase ( my account was already charged and my new available balance reflected the purchase on the day of the purchase ) why am I paying overdraft fees on things that I already paid for? there's plenty of law suit on these matter I guess BofA just doesn't learn. I have uploaded a screenshot that clearly shows that after my purchases were done i still had an available balance.
Consumer complaint received 2021-11-25
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

PERSONAL INFORMATION on my credit report is inaccurate and despite several requests, has not been updated XXXX XXXX : ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provided. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus. ( 5 ) incomplete account number and inconsistent reporting with each bureau. XXXX  ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provide. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus and indicates no investigation was done of the bureau and/or creditor would have updated the dola. ( 5 ) incomplete and inconsistent 2-year payment history reporting with each bureau. ( 6 ) XXXX  inconsistent and inaccurate across the three bureaus.
Consumer complaint received 2020-12-27
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

This is a communication pursuit to 1692 ( c ). I am asking you to cease and desist further communication and Im refusing to pay the debt pursuant to 1692 ( C ) ( c ). I am invoking my specified remedies as a creditor pursuant to 1692 ( C ) ( 2 ) and I advise you to terminate all efforts pursuant to 1692 ( C ) ( 1 ). To include reporting information to the credit bureau and third party collections. 

I demand rescission of my contract pursuant to [ 15 USC 1635 ( a ) ] and [ 12 CFR 226.15 ] as the signature has been securitized on your instrument the master promissory note ( the credit application ). 
Pursuant to [ 15 USC 1635 ( b ) I demand Discover Financial return all finances ever render to them.
Consumer complaint received 2022-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a vehicle that was repossessed by CAPITAL ONE AUTO FINANCE in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as Capitol One for proof of the resale of the vehicle and have yet to receive anything.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Redfin Corporation (TX)

Date : XX/XX/XXXX Loan amount : {$350000.00} This is about Home Mortgage. I have borrowed money from Redfin Mortgage. 
Doing Verbal Employment Verification less than 72 hours before closing. No one is prepared for this VOE so short period, my company isnt prepared for this to answer call, Mortgage Relationship officer has misguided me, he told me to transfer Cost To Close money to Title Company before he does VOE. He didnt disclose VOE requirement of less than 72 hours before closing until about 48 hours before closing. I think you need to ensure that this lender must disclose VOE requirement clearly at the first day of loan pre approval. If I knew they needed VOE 72 hours before closing, I could move to other lender. He didnt disclose this because he wanted to sell this mortgage product. 

My loan is approved and closed but It could be a failure. I believe that I am just lucky because Human resource person in my company was available to respond call .Because of the long weekend ( XX/XX/XXXX ), She could be on leave and couldnt answer the call. As a result I couldnt close my home on XX/XX/XXXX. 
I believe that you must comply this lender to disclose VOE requirement ( whether it is XX/XX/XXXX days ) at the first day of pre-approval. This help consumer like me to move to another lender or I could convince my company to dedicate a phone line to answer VOE.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 64 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing XXXX you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 3. XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 7. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In addition to continued multiple complaints with Consumer Financial Protection Bureau, please accept this as intent to also file complaint with FTC against XXXX XXXX XXXX XXXX President 's Office, XXXX, and Transunion as conspiracy to evade the Fair Credit Reporting Act. The attached undated permission is viewed as complete and acceptable permissible permission to be used once if not multiple times to access my credit and private information repeatedly ; time after time. Transunion, XXXX, and their client, XXXX XXXX XXXX President 's Office, believe an incomplete document without date is unnecessary for permissible permission to access American 's Private Information.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX, this was a credit card debt from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly I have also asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX XXXX, Auto loan from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax and XXXX Credit report immediately : XXXX. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-09
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. (TX)

On XX/XX/XXXX TransUnion was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date TransUnion has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX TransUnion responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.
Consumer complaint received 2022-08-06
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. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX