davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. 
You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 2023-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have called this company numerous times. They have affirmed that they will remove the negative information as my acount XXXX XXXX XXXX XXXX  ( XXXX ) was paid in full on XXXX and XXXX of XXXX. They send me a letter stating that a letter was send to all bureaus to have this corrected. However, its XX/XX/. My credit has been affected drastically by an account that should be reporting positive. I will upload the letter and proof of a check they send me as when I paid the full amount there was a change of XXXX XXXX. Please remove XXXX and XXXX late payments. As there was never a late payment as the acount was already closed. I decided to pay the charge off and it looks like it has affected me worst. Please fix this immediately
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-05-10
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. (MA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

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 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 2023-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2023, I submitted a detailed letter to Experian, which included sufficient documentation to support the disputed items and requested a prompt investigation into the accuracy of the information in question. However, Experian responded on XX/XX/2023, stating that they would not be conducting an investigation into the items. 

Another letter was mailed and again on XX/XX/2023, Experian responded refusing to conduct an investigation into consumer items. 

Experian 's refusal to investigate directly violates the FCRA, which mandates that consumer reporting agencies like Experian must investigate any disputed items on a consumer 's credit report within 30 days of receiving notice of the dispute. The FCRA also requires Experian to delete any information that is found to be inaccurate or unverifiable, as well as to notify the consumer of the results of the investigation. 

Please find attached the relevant documentation, including the consumers letters, Experian 's responses. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate enforcement action against Experian to ensure compliance with the FCRA and other applicable laws. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (OH)

This is XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the followig items removed from my Credit File : 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 XXXXXXXXDespite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

On XX/XX/2023 we sent {$330.00} on the MoneyGram platform to my syster-in-law bank in XXXX. All was done in US dollars. The reference number is XXXX. After more than four contacts via text, three phone calls and three difference " cases '' opened with their customer service site, no money has been refunded, no explanation offered. Everytime we open another case, the resolution time keeps extending and extending. 
At this point, two and half months after this transaction, we are calling in internal fraud by MonyGram.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these items in accordance with 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 them again. 
Original Creditor : XXXXXXXX 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
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

WE, COMPLETED AN IN-HOUSE TRIAL PERIOD PLAN FOR 6 MONTHS OF {$4900.00} PER MONTH, TOTAL POSTED CHECKS BY FAY {$29000.00} WHICH FAY HAS NOT CURRENTLY APPLIED PAYMENTS TO OUR CURRENT MORTGAGE, FAY HAS ADDED {$100000.00} EXCESSIVE FEES TO THE MORTGAGE PRINCIPAL WHILE I WAS STILL IN BANKRUPTCY IN XXXX. 

FAY OFFERED ON XXXX/XXXX/XXXX AN PERMANET LOAN MODIFICATION OF {$5000.00} FOR A SHORT TERM 20 YEAR FIX WITH AN BALLOON PAYMENT OF {$16000.00} TO BE PAID IN FULL XXXX ON MATURE DATE. 

THIS MODIFICATION IS NOT AN AFFORDABLE MONTHLY PAYMENT FOR 20 YEARS, THIS MODIFICATION WILL FORCE ME A DEFAULT ON LOAN FOR MY HOME TO BE FORECLOSED FOR AN TRUSTEE SALE. 

FAY SERVICING ; STRATIGIES ARE TO DENIE MODIFICATION APPLICATIONS TO GENERATE, EXCESSIVE DOLLARS TO YOUR LOAN, TO MAKE IT IMPOSSIBLE TO SAVE YOUR HOME. 

I, BELIEVE ; FAY SERVICING IS IN VIOLATIONS OF " MORTGAGE FRAUD ''
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX has been adding a bill to my Credit and the Trans Union, XXXX and XXXX keep putting it back on my credit I was XXXX when this service was started and did not have phone service. It either belongs to my grandfather who passed away a year or so ago or Dad or one of the other XXXX XXXX XXXX in PA. This issue has cost me credit twice and I have repeatably tried to have it removed and either XXXX or XXXX collection agency keeps putting it back on my credit. Please get this removed and kept off my credit as soon as possible as I am considering changing jobs and I do not want this to interfere. It is related to XXXX and if it was related to XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX PA XXXX. I moved out of XXXX XXXX XXXX my Dad 's house in 2008 when I was XXXX and moved to XXXX PA this is not my bill and it is not right that credit bureaus have that much control over someones credit and have no consequences for their irresponsible actions. I know that is true because my mother has been fighting them for 6 years to remove the a serious delinquency report of her credit and they keep reporting it to everyone and sending her a different copy of her report without the serious delinquency on it.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (CA)

I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pathfinder Credit Services (TX)

PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.