davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request that all the accounts and credit inquiries listed below be blocked and permanently deleted from my credit report. I am a victim of identity theft following a data breach and believe these accounts and inquiries were fraudulently made without my authorization. My request is made pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1800.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3600.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$630.00} Fraudulent Inquiries : XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Consumer complaint received 2018-07-23
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. (AR)

The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called Transunion they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
Consumer complaint received 2018-07-23
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. (NJ)

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (MD)

I reached to to Equifax several months ago to assist me in verifying information that XXXX XXXX had reported incorrectly to their buero. The 30 day mark has came and past and yet I have not recieved any results from Equifax where the dispute was conducted or finalized and how they obtained information. I have attempted to check the status of this using their online website, however, it never let 's me access the page.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (MS)

tower loan services of Mississippi is keep pulling my credit without my permission they pulled it on XX/XX/2018 and XX/XX/2018 I want it removed from my report
Consumer complaint received 2018-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Paypal frozen my account and wont let me withdraw my funds, i submited a payment for a service and they didnt send the money, instead of that they hold the money and block my account permanently, i cant acces my money, and is more than a thousand dollars
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OR)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is about Portfolio Recovery Associates. They have called my home phone about once a week for the past 2 months, but I have a fax machine on my home phone. Their latest call was on XX/XX/18. I know who is calling because of Caller ID. I have no outstanding debt. My phone number has been on the Do Not Call Registry for at least 2 years. Portfolio Recovery 's phone number is XXXX. Can't you get these phone calls to stop?
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. Due to a recent data breach, I have become a victim of identity theft, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed from my report.

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and I am requesting their immediate removal.
Consumer complaint received 2018-07-23
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. (AR)

The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called XXXX  they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CA)

I reviewed my credit report and it shows a inquiry with chase bank and I dont have or never applied for a chase card XX/XX/XXXX And I received a XXXX XXXX XXXX I never applied for on mail.
Consumer complaint received 2024-11-01
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. (CO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2018-11-02
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. (NV)

Dispute Results # XXXX XX/XX/XXXX Experian sent me a report and it shows that XXXX XXXX will stay till XXXX. XXXX XXXX  has responded and will have their information hidden from report. I have received the same message from all credit inquires I disputed. My list of disputes were fraud. I furnished an email that was bounced off my company email that was used.
Consumer complaint received 2018-07-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (CA)

This company is calling me threatening to contact my employer they are also calling my family leaving voicemails saying they have my # SS number and they will follow nd me and I cant hide. They have been asked to stop the calls but will not. They will not disclose who they are the only reason I found out is because I had been making payments with h them but I felt like Im paying money that I dont owe. The amount it more than the original loan considering I already made payments on the account. I told them I was having financial hardship and could not afford the payments but they continue to harass me
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, IC SYSTEMS. I did not open or authorize the accounts that you report a balance of {$400.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OK)

Our mortgage was originally issued by XXXX XXXX starting in XX/XX/XXXX. Following a change in insurance providers in XX/XX/XXXX, we made a XXXX {$3000.00} payment to our escrow account that they incorrectly applied to our principle. We became aware of the issue in XX/XX/XXXX and called to get it corrected by XXXX. During that time in XX/XX/XXXX, XXXX sold our loan to SunTrust, and again did not get the escrow mistake fixed. In XXXX we received an escrow summary from SunTrust showing that we were still short. XXXX claimed they did not have any of the prior history on our account and said it was our problem to sort out. After many calls with both companies, XXXX got the escrow shortage corrected. 

We then received three letters from SunTrust, all dated within three days of each other. The first letter notified us that the escrow mistake was corrected and apologized for the inconvenience. The second letter notified us that we missed our XX/XX/XXXX payment and were now in default, despite the fact that SunTrust did not have our account in XX/XX/XXXX and we have copies of the XX/XX/XXXX mortgage check that was cashed by XXXX. The letter mentioned that we have 35 days to get this resolved. The third letter was on mortgage assistance since we were now in default and in jeopardy of foreclosure. 

The XX/XX/XXXX bill just showed up and now all the sudden shows we owe double our standard payment. All of our previous monthly mortgage bills from SunTrust showed we were current and our personal bank shows each check was cashed. When we called SunTrust to figure out what the issue was and where this shortage all the sudden came from, we were transferred around to multiple representatives but no one could explain what happened. Their customer service reps were severely lacking in information and were unable to troubleshoot or provide us any solid information regarding this matter. When asked to be transferred to a manager, they are never available and my wife and I have wasted multiple 45 min to one hour phone calls with no progress or explanation. We are still waiting on someone with SunTrust to pull all of the records, figure out were the sudden shortage came from, and call us back. 

We have explained multiple times to SunTrust that we will gladly pay any real shortage we may owe, but given their previous issues with applying payments correctly and miscommunication with our previous mortgage lender, we first want an explanation as to where this issue came from to make sure its legitimate.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NV)

I have sent multiple complaints about this false account on my credit report from XXXX XXXX. I have requested proof of this account and I am told by the company that they can not provide any proof to me because it was done online, HOWEVER, they can see the application and dates and receipts. All of that information and I can not get proof. Also, he states that the account was sold to XXXX XXXX and I have not received a contact for the exact company they sold it to, since XXXX XXXX has multiple locations.