davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (TX)

I have submitted multiple requestes written requests and even spoke with an Representative named XXXX at Experian regarding having the following inquiries removed because I didnt not authorize them and have been unsuccessful in doing so. 

XXXX. 
XXXX XXXX Dated : XXXX XXXX, XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX 5. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 6. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX 8. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2017-10-12
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. (GA)

Transunion and XXXX XXXX is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a Transunion representative that they validated and verified my account via XXXX XXXX on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including Transunion has access to my report but THEY ( XXXX XXXX ) contacted Transunion on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with XXXX XXXX. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that Transunion and XXXX XXXX are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both XXXX XXXX and Transunion for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant XXXX XXXX has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that Transunion did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but Transunion.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Due to the recent security breach at Equifax ( XXXX 2017 ), I have no idea whether or not my credit report and its associated personally identifiable information is now in the hands of criminals. I am deeply concerned about the possibility of my identity being stolen and my credit being ruined. At the very least, if my information has been stolen it will create require investment of my time to fix the situation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX  ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX Balance Owed : {$3300.00} XXXX Account number : XXXX Balance Owed : {$0.00} XXXX Account number : XXXX Balance Owed : {$0.00} XXXX XXXX Account number : XXXX Balance XXXX : {$65000.00} XXXX  XXXX Account number : XXXX Balance Owed : {$230.00}
Consumer complaint received 2024-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I am writing to dispute a debt collection account that appears on my credit report. I request that this item be removed based on the following information : Account Name : Credit Collection Service Account Number : ( no information on credit report ) Date of Last Activity : XX/XX/year> I dispute this item for the following reasons : 1. The debt is not mine, and/or I do not recognize this account.

2. The information reported is inaccurate.

3. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Under the California Consumer Credit Reporting Agencies Act ( CCRAA ) and the federal Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of my dispute and remove any information that can not be verified as accurate Please investigate this matter and remove the disputed item from my credit report. If you find that this information is accurate, please provide me with validation and verification of the debt, including : A copy of any judgment The name and address of the original creditor Verification of the reported date of last activity and date of first delinquency I look forward to your response within 30 days, as required by law. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (MI)

On approximatelyXX/XX/XXXXa loan was taken out with Myloansite for {$820.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$240.00} was completed on my next registered pay day of XX/XX/XXXX with 19 payments of {$240.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$4900.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of Tribal loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates Myloansite applies to their loans ( annual percentage of 664.97 % ) do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back only the principal amount of the loan, but not the interest and fees. I willingly borrowed {$820.00} and will pay it back via payment plan, minus the {$240.00} I have already paid, for a total of {$570.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of Myloansite to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-11
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. (GA)

XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
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. (MN)

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2017-12-15
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. (MT)

My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.
Consumer complaint received 2017-10-12
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: BARCLAYS BANK DELAWARE (MN)

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted Barclay fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


BARCLAYS BANK DELAWARE Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2017-10-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo I had my loan redone by Wells Fargo and there was issues with it and a complete mess. Next I mailed them letters certified time after time had several phone calls for information that would never send. I also got foreclosed on and never received any foreclosed notices or anything. next thing I no I was foreclosed on and cll them and they would say its a mistake. I was calling Wells Fargo on an average 2 times a day some days more than 4 getting sent around to another department like there was no one could never tell me nothing. no one never followed up on nothing. went into a Wells Fargo mort office and they gave me the run around in XXXX CA. 

When I look at my original loan documents on the day they closed there is about 70 % percent of the documents not even sign by me and there was other issues that I bought to there attention but never no truthful answer. 

I have all my documents from the day of closing in the orginal packet they gave them to me and everything that was giving to me when I first purchase the home from Wells Fargo.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (LA)

The loan opened on XX/XX/XXXX, for the term of 254 months, at the interest rate of 8.23 %. The note amount is for {$570.00}. We have continued to pay our for loan. Earlier in XX/XX/XXXX and XX/XX/XXXX we were able to payoff the loan, but they talked my husband into keeping the loan to help his credit. So we decided to just make larger payments ex. {$1000.00} for our monthly payments for a while to bring down the principle. We got behind in XX/XX/XXXX due to trying to get someones attention, about the payments somehow were all going to interest and nothing to principle. Yes it had been months before we noticed, but I had to contact them and the response was " you are not on the loan so we can not discuss this with you ''. So my husband faxed over a letter to allow me to discuss the loan matter. They looked into the matter and finally came to some resolution to add the interest back to the account and gave us a deferment and said it would just be added to the end of our loan. Since then they still will not discuss the loan with me. We have tried and no return calls. So we have kept paying our loan in order to keep our home. 
My husband in the past couple of months went to what we were told at one time the main location in XXXX, Ohio. When he got there they were closing the location and had moved all information to another location. I tried to pay our loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX, I thought they may have been doing some update on their web page. So I continued to call every number I could find online. It was only after a couple of hours before I reached a real person. The lady in AZ explained to me that all she could tell me was all accounts had been sold to other mortgage companies, and Citi financial was no more. So now we have paid 45 notes over our 254 months loan. There is a balance is still showing on our account. I am asking for your help in this matter, Please!
Consumer complaint received 2024-10-11
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. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-11
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. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (CA)

We took an auto loan with Regional Acceptance Corporation for a vehicle XXXX or XXXX of XXXX. The loan was only supposed to be for 5-7 years agreement. 
It is now almost 9 years later, and we still have a hefty payoff. There were occasions when we received deferments, when I lost my job in XXXX and the XXXX XXXX XXXX XXXX  To covid and medical issues that are still ongoing. Despite the deferments, we have always made arrangements and even scheduled future payments to always catch up. But it seems like we are not catching up at all, we just keep paying and paying and do not see the principle decrease as we know most of our payments are going to interest. We feel now that we have become victims of predatorial loan practices, and our privacy and consumer rights have been violated. 
With the lender failing to provide us with detailed description of how much of our payments goes to interest and how much it goes to our principle, in the form of documentation, which I have requested several times via telephone and email. Refusing to provide us with a copy of our contract and attempting not to negotiate a settlement, Regional Acceptance Corporation, is in violation of the Truth in Lending Act.
Consumer complaint received 2017-10-12
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. (CA)

I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



XXXX XXXX XXXX One of the people of the california --
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

In XX/XX/year>, I discovered that Affirm Inc. had reported a fraudulent account under my name to the credit bureaus. The account number XXXX was reported without my authorization, and after contacting Affirm Inc., a representative confirmed that the account did not match my personal information and was fraudulent. Subsequently, XXXX removed this fraudulent account from my credit report. 

However, despite this resolution, in XX/XX/year>, Affirm Inc. reported another fraudulent account under my name, this time with account number XXXX. I contacted Affirm Inc. again, referencing their identity theft dispute case number XXXX, but the fraudulent account remains on my credit report. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ). 
I also have recorded telephone conversations from AFFIRM INC. stating that he will flag the account as fraudulent. 

I have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and contacting the credit bureaus, yet Affirm continues to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.