davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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 writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-13
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. (PA)

ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-13
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: Westlake Services, LLC (NJ)

The company still needs to update the credit report as reflected on the statement provided in the last complaint open. The original account was signed with XXXX, and XXXX is taking the payment automatically from the XXXX account shown in the attached statement. Also, I have noticed that the credit report reflected an " ND '' for one month, along with the other incorrect late payments. The carelessness of this company is harming the score and report while the payments are made on time consistently.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 2023-08-13
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. (MI)

This letter is yet another giving you formal legal notification of my DEMAND for you to CEASE and DESIST any and all ACTIVITIES in regards to the above notated derogatorily made known mis- information as it is significantly in infraction of requisites for lawful reporting much less substantially not provable in its certifiability of the mandatorily perfect correct and intact Metro 2 format compliant reporting in conjunction with the factually required perfect and physically verifiable valid and demonstrated truth of reporting, accuracy of reporting, completeness of reporting and certified compliance of reporting elsewise, mentioned here or not! might I remind you that ONLY PHYSICALLY VERIFIED VALID derogatory claims that are perfectly correct and completely certified compliant in its reporting, how divulged, and such are all MANDATORY CRITERIA for REPORTING, NOT OPTIONAL. I DEMAND that you PROVE each the Verifiability, VALIDITY, and CERTIFIED perfect Metro 2 format compliant reporting or else IMMEDIATELY REMOVE any and all derogatory data or facts supposed or elsewise revealed, now and in future. I here now DEMAND that you act in FULL ACCORDANCE of regulatory laws and standards of reporting practices, mentioned by me or not. ANY deficiency to do so is lawful dereliction of responsible and required reporting and will be deemed your WILLFUL disregarding of your behaviors and an unlawful injurious harassment of me and my consumer rights, for which I can and may indeed file civil suit versus you for a court-ordered resolution and monetary gains for me FROM YOU! TREAD lightly with your unproven claims not compliantly reported cooperatively disclosed! AGAIN, CEASE and DESIST all reporting activities for the above titled derogatory listed student loan account ( s ) and aspect ( s ) of said derogatory claims still yet unproven and not certified within requirements reputed. Surely you realize that it is ILLEGAL to or report misleading or unproven details, especially considering a composed consumer compliant notifying you of said issues so please annul the following illegally proclaimed allegation here and now because in FACT the below mentioned allegations suggestions of any delinquent and or derogatory-conditioned item ( s ) of allegation fail to meet even MINIMUM requisites of adequate reporting so black out from reporting now! Being my RIGHT, I DEMAND that you IMMEDIATELY DELETE and forevermore afterwards BLOCK the misreported misinformation highlighted in the attached documents.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

My grandmother 's inheritance gave me some shares in a company in my origin country. I gave my uncle power of attorney to sell my shares and send the money to my account in the USA at Chase Bank. I went to the bank branch and informed them about the transaction, and they told me that it was fine and I won't have any problems with those funds. So on XXXX, my uncle sold the shares for $ XXXX collected the money, and on XX/XX/2023 sent the money through the money exchange office, which usually is the best way they use to send money, and usually, they send it to new york, and then they send it to the bank account. So I received the money through multiple checks and orders from New York. on the XXXX, Chase Bank put a hold on my money and closed my account. They even put a hold on my paychecks through my work. I contacted them so many times and went to the branch asking why they did do that?! and they just said that we need to verify the checks and that they could not do that ; I gave them the name and phone number of the person who did the exchange from New York, but their system is outdated and could not very him, and they are refusing to give my money. It's been 3 weeks, and still not giving me any reasonable explanation of why they are holding the money while I gave them all the information they asked for, I have all the documents of the sale, and that is all legit. 
Please, I need help to get my money back from Chase Bank.
Consumer complaint received 2023-08-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

On XXXX XXXX XXXX and I were traveling home and attempted to make payments on the mortgage before XXXX to avoid a 30-day late negative on our credit report. We have documentation where we paid the mortgage past due amount on XX/XX/ but was operating on PST time. We were not aware this time difference would cause our mortgage to be 30 days late. I am XXXX and have just recently finished XXXX school. We have previous conversations with Freedom Mortgage about options to get a forbearance. XXXX and I was able to make the payment ON Freedom Mortgage 's website when we were able to receive service at the XXXX XXXX ON XX/XX/ from our bank that was released from our bank on XXXX The time on my phone shows the payment was made at XXXX EST and XXXX PST ( while the location was in PST ). Due to the confusion regarding timelines in which payments are posted, our credit has taken a significant hit. We were planning on refinancing later or taking out a HELOC but will no longer be able to do this due to the negative reporting of 30 days late. May there be a review of our account and a one time exception to not have this payment considered late? We have documentation of our travel, time of actual payment and payment releasing from our bank account. Thank you for this consideration.
Consumer complaint received 2019-01-05
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. (CO)

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as  possible.
Consumer complaint received 2023-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

On XX/XX/2023, I made a payment of {$1000.00} to be applied in repayment of my federal student loan to my then-assigned Student Loan Service Provider, XXXX. The payment processed and was cleared on XX/XX/2023. In the ensuing months, XXXX was absorbed by another student loan service provider called Aidvantage. I was sent an email communication notifying me of this change, created a new login for my account under Aidvantage, and saw that my previous payment of {$1000.00} was not appearing in my account details. I have called Aidvantage multiple times requesting this be fixed only to find it still has not been fixed and have provided Aidvantage with the payment confirmation details from XXXX ( the proof of payment provided was an official email/digital receipt that was emailed to me inclusive of the payment confirmation details, account number, and related dates ). I have since called Aidvantage again only to be told that they have conducted an investigation and they have concluded they require me to provide a bank statement showing proof of payment to XXXX. It is the student loan provider 's responsibility to maintain loan records and - to the extent a loan service provider is either absorbed by another student loan service provider or is the student loan service absorbing another- it is the SOLE RESPONSIBILITY of the student loan service provider in question to maintain accurate transactional records of the accounts in which they are taking over. I have spent countless hours dedicated to trying to fix this issue to no avail. The first time I called to address this issue should have been the last time. However, it was not and I have now opened repeated requests for further payment history to be shared on my account. It is the responsibility of XXXX and the due diligence of the acquiring party, Aidadvantage, to have absolutely ensured accountability of ALL PAYMENT RECORDS made by account holders. I am now being told I need to provide further bank statements as proof of payment. Nowhere is there policy information provided pertaining to requiring bank statement records in order to ensure my previous payments are posted to my account - outside of providing the receipts sent to me by XXXX of payments made, I should not be held accountable or required to take further action on ensuring payment records are kept accurate between XXXX and Aidvantage.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

On XX/XX/XXXX at XXXX XXXX  I received my money from social security into my account from NetSpend a place to order but XXXX worth {$1100.00}, the order was supposed to be delivered from XXXX to XXXXXXXX XXXX on the XX/XX/XXXX I never received my order didn't text me and told me it was a 2-hour delay then on XX/XX/XXXX at XXXXXXXX XXXX  I contacted XXXX they said we had came to an agreement to cancel the order on XX/XX/XXXX I been waiting ever since the line XXXX to today XX/XX/XXXX waiting for my money to be reimbursed back into my account because of them not releasing my money back into my account because they failed to do the code which XXXX has given me to get them I sent them an email from XXXX stating that the order has been canceled and they have refund me my money NetSpend has not yet given me back my money that money was to feed my children I am the payee they took money from my kids because of this I have to go to five different food banks in order to get food for my children they still been giving me the runaround they told me after 15 days the money will be back in my account and on XX/XX/XXXX it has not been put back in my account then they told me I have to wait till after 15 days and the days the XXXX and I still have not gotten my money in my acc I've been arguing with them all the last couple weeks I've been talking to them call me I've been patient with them and they have not yet but my money back into my account I'm struggling to feed my kids because of their negligence.
Consumer complaint received 2023-08-11
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. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Early in XX/XX/2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX i have been violated of my consumer rights XXXX, XXXX, and Equifax are reporting a ( Bankruptcy XXXX XXXX XXXX on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency XXXX, XXXX and Equifax also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit
Consumer complaint received 2023-08-13
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. (OH)

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX Equifax and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX Equifax and XXXX XXXX services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXX mission late payment, XXXX XXXX  and XXXX XXXX  was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXX and XXXX 
Equifax and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
Equifax is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts.
Consumer complaint received 2018-11-09
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. (PA)

XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however XXXX   did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.