davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (IL)

I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to Dovenmule. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that Dovenmule rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.
Consumer complaint received 2023-09-12
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 make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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 2024-01-03
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. (VA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You use my report inaccurately and have not validated correct information regarding my report i have listed all the consumer laws you have violated i ask you that you remove this account is department of education XXXX in accordance to my consumer rights
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

I fell victim to fraud in XXXX of 2022 I got an email from what I thought was a trusted bank email, asking me to resolve an overdraft fee. I gave them access to my account after a series of emails and they asked for my address and date of birth Once I gave them that I was no longer able to get in contact with them. So I was expecting to see the overdraft fee waived, but after about 3 days my account was locked and I received an email from the actual bank saying that they discovered some fraudulent activity from my account. I brushed it off because I haven't used the account since I overdrafted the account.
Consumer complaint received 2024-01-03
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX add a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-09-12
Product: Credit 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: U.S. BANCORP (DC)

Fidelity was undoubtedly negligent in handling the dispute against XXXX for the amount {$350.00}. 

Detailed evidence was provided to Fidelity in a timely fashion contained within the forms and subsequent photo evidence and that supported the following : **in response to my reaching out to return the product**, XXXX had promised in multiple formats ( communication with their agent XXXX ) not to worry and that a refund would be issued ( website plus communication with their agent XXXX ). XXXX ultimately prevented my being able to use the very return policy that they themselves detail by failing to provide a return address ( and return ID ) upon explicitly contacting them regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to XXXX 's large network of warehouses. XXXX never provided these necessary details, despite the evidence explicitly demonstrating that I did reach out to XXXX regarding returning the defective merchandise. All of this was also explained to Fidelity Cardmember Services agents over the phone multiple times in great detail. 

Fidelity also claimed that the case processor was " unable to reach [ me ] or leave a voicemail '' ; this is despite a ) other callers were able to both reach me and leave voicemails without any issue during this same period, b ) no Fidelity numbers were blocked, and c ) at least one Fidelity Cardmember Services agent confirmed over the phone that this is a common problem that they hear from other Fidelity customers despite these customers having working phone lines and voicemail boxes. 

Kindly note that the section 45 of the enclosed Cardmember Agreement that your team references does detail small claims court as being exempt from the arbitration process. " The merchandise was not returned '' because it physically could not be returned by the customer due to the merchant 's failure to engage in and provide, upon request, order-specific return details ; hence, " rights to assist [ the customer ] further through the Visa Dispute Process '' do remain. Fidelity 's negligence in investigating this dispute also remains, as do the customer 's rights to pursue Fidelity for those losses irrespective of the merchant 's actions. Your team 's actions in response to this complaint will be important in determining next steps associated with this investigative negligence.
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC (NY)

XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXXccount Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Key 2 Recovery, Inc. (OH)

I checked my credit report and noticed a collection from Key 2 Recovery in the amount of {$5600.00} that I didn't authorize. I am not liable for this debt with XXXX University, I do not have any contracts with Key 2 Recovery, they did not provide me with the original contract as I requested
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XXXX XXXXXXXX XXXX  XXXX sent me a letter stating XXXX  now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from XXXX stating XXXX XXXX XXXX has required this alleged account. None of whom I have ever contracted with, it also stated XXXX XXXX XXXX XXXX is the master servicer for XXXX XXXX XXXX, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX XXXX who claims to have purchased this alleged debt from 12 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unknown inquires appear on my credit file that I did not authorized nor gave any consent to nor was any of those inquires initiated by me. SEE ATTACHMNENT of identity Theft Report Number XXXX filed with the federal enforcement agency FTC. All the fraudulent/unauthorized inquires are listed within.
Consumer complaint received 2023-09-12
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CA)

I have an ongoing issue with Carmax Finance for about two years, according to the security Exchange consumers/investors have a right to rescind the security interest agreement, which i had signed by a notary public, and a chance to rebut all the laws and rules of the governing bodies of use of the commercial paper, they have not responded. I am doing the administrative process according to law and will take them in arbitration. They have been pooling the security selling it on the stock market and not giving me any of the proceeds, and in turn double dipping by sending me the T-Bills every month for me to pay, i have sent them the security with the correct procedure and stamp and they dishonored it. I will be complaining anout their indenture trustee because pursuant to the SEC the trustee are responsible to process the securities and XXXX the account, so they have violated and i will be happy to take legal action because they have to follow the rules. They did not return the security i sent or XXXX my account, so now i will file a 1099a, report them to all governing bodies, i am sure the United states and the SEC would like to know how they get away with the so called asset backedcommercial paper, this is security fraud according to the SEC, and i will be a whistleblower for SEC for 20 % compensation..
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

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 accounts 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 XXXX XXXX XXXX and XXXX XXXX  XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a somewhat large check, $ XXXX, in my Bank of America Savings account in person at a local branch. The deposit was made XX/XX/2023. I am now being told the funds will not be available to me until XX/XX/XXXX due to a BofA " internal review '' process. The check is from a well-known mutual fund, XXXXXXXX XXXX and it's authenticity is easily verified. I do not think this is acceptable and I wonder if BofA is somehow benefitting from the use of my money " on the float ''. The whole situation could have been avoided if i was able to do an ACH transfer from XXXX. However, i was unable to do that because i had to submit hardcopy paperwork to XXXX with a " signature stamp '', something beyond a notarized signature that was not available at 3 different banks i checked in my area before giving up. I think this is XXXX 's way of making it difficult to withdraw money from their funds. In any case, the process of gaining access to my own money will have taken 6 weeks from the time i contacted XXXX...
Consumer complaint received 2024-10-23
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. (IN)

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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I disputed them and they remain on my credit report!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to complaint to TRANSUNION about the reported unauthorized inquiries and fraudulent account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.