davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-06-19
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX and XXXX  XXXX. Also, please remove this incorrect address, this is not mine : XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2023-06-19
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX and XXXX XXXX. Also, please remove this incorrect address, this is not mine : XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a dispute for XXXX $ in XXXX. for two months the dispute team did nothing. finally they gave a temporary credit and contacted the merchant. today I received a letter stating merchant has responded and the charge is valid. XXXX provided no documentation to support their decision. There is no way to contact the dispute team or reopen the dispute. the letter do not say how I can re-open or challenge the dispute. 

I called customer service and they said they can not help me with the dispute, that I need to respond to them directly. how will I respond to them, if I can not contact the dispute team.
Consumer complaint received 2023-06-16
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: SYNCHRONY FINANCIAL (CA)

I received a letter stating that based ON XXXX erroneous reporting refer to my previous complaint about XXXX reporting incorrectly debts and deliquencies as NEW debts even though they are at least XXXX XXXX XXXX! My credit is was reduced by synchrony as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop
Consumer complaint received 2023-06-16
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CA)

My Mother in Law passed away and had an existing Quit claim deed for myself and my wife, Her daughter. 
The mortgage company refused to acknowledge our rights to the property for almost 2 years and would provide no information on the balances due and how our continued payments were being applied as we have made double payments and a {$10000.00} principal only payment in XXXX of this year. 
I was finally able to get a statement showing how are payment were applied and it has an extra fee charged to it for every double payment and they charged a fee to accept the lump sum payment. 
Upon asking why they did this i received a letter from the Staff attorney XXXX XXXX from 21st Mortgage corporation stating they would answer my questions in the future but haven't done so. 
I also requested a payoff amount for the loan and it is the total sum of all the payments through the term of the loan with no reduction in interest for the early payoff. 
They basically refuse to answer questions and have not been forthright about my payments. 
This is not the originator of My Mother in laws loan. I believe she had a death benefit on the original loan and it should have paid off the mortgage upon her death but the paperwork is confusing because we can't find the original documents. 
I feel that this servicing company 21st Mortgage is taking advantage of us and probably all it's clients. 
The Attorney 's name is XXXX XXXX XXXX Attorney ext.XXXX XXXX Can you help us get them to be legally forthcoming and find a resolution to the extra fees and total payments made without interest reductions?
Consumer complaint received 2023-06-16
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: CITIBANK, N.A. (PA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts XXXX XXXX XXXX XXXX XXXX XXXX MACYS/CBNA XXXX XXXX XXXX XXXX Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (PA)

I currently have a few Fruad accounts and inquiries listed on my credit report. 

Accounts 1. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} 3. XXXX XXXX XX/XX/XXXX {$200.00} 4. XXXX XXXXXX/XX/XXXX {$330.00} Inquiries 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2023 a that was part of a business bankruptcy case began to report delinquent on my credit reports. My attorney reached out to the company XXXX XXXX to request they stop all debt collection efforts including credit reporting due to the fact this loan was part of a business bankruptcy it could not be collected via personal debt collection methods. XXXX XXXX has yet to stop collection efforts although they received this notice XX/XX/2023 This business bankruptcy is still in litigation.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freeway Funding, Inc. (CA)

Due to being behind on payments, I had my vehicle repossessed by the loan issuer, Freeway Funding Inc in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that Freeway Funding Inc is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly one year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to Freeway Funding Inc several times to resolve the issue to no avail. They ( Freeway Funding Inc ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they ( Freeway Funding Inc ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.
Consumer complaint received 2023-06-16
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-16
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

My credit reports disclose 7 Citibank accounts with disputed balances. These 7 accounts were all referred to multiple debt collectors in XXXX and XX/XX/2023, however in violation of the FDCPA I only received the required 5 day notice from 2 debt collectors for only 3 of the 7 accounts. The required debt collector notices were never sent for 4 accounts although required 5 days after the initial conduct. I have responded at length to 3 notices and intend to respond to every debt validation notice. The deadline to file the 5 day notice has long expired. Kindly Sen me the required 7 notices for all 7 accounts so that I may respond to all of them. I need the card agreement guide for every account. Pursuant to multiple previous communications, I have demanded and elected to choose mandatory binding private arbitration with XXXX as the sole available forum to resolve disputes pursuant to the arbitration clause provisions. As previous communicated, every account matter is effectively in arbitration lacking the mere ministerial payment by Citibank of its 100 % share of the XXXX arbitration fees and formal filling of Claim documents with XXXX. Any validation notice shall be considered your XXXX  Claim.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am resubmitted is complaint because the first time I submitted it, I forgot to add my FTC report, my ID and my Social Security card. These are the fraudulent inquiries on my report as I explained to the representative over the phone but he told me you guys havent received my dispute which I clearly sent out so I am submitted it to this platform so that I have proof.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (GA)

I pay my payments early because interest is compiled daily, so I make my payments early the company payments are do every two weeks {$240.00} if I send a {$500.00} payment they apply {$470.00} to interest and the remaining balance to principal if the payment is early why double the amount of the payment due why would 90 % of the payment go to interest.
Consumer complaint received 2017-12-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

Lender ( XXXX XXXX / XXXX ) filed for bankruptcy in XXXX XXXX. Debt for 155,000.00 made XXXX XXXX included in chapter XXXX Loan transfered to several different collectors. Asserts TILA & RESPA violations ; Request any and all copies of MERS transactions XXXX CFPA violations
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To whom this may concern upon checking my credit report on Equifax, XXXX, and XXXX XXXX I noticed some inaccurate credit reporting on the accounts as follows ; Equifax : 1. ( XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX  account numbet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please verify the accounts information accuracy by providing the following documentations as follows ; 1.Balance history 2. Credit Insurance 3 . Interest rate disclosure 4. Payment history 5. Payoff disclosure 6. Original contract Please provide all documentations to insure accurate information regarding the above accounts if unable to provide documentations kindly delete inaccurate accounts from my credit report.
Consumer complaint received 2023-06-16
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.