davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 



1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. Did not consent to unauthorized inquiry. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX**** Please remove this account from my credit report 3. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 



1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-06
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. (IN)

Ive already submitted multiples complaints and reinvestigation clauses. This is my 5th notice to the company and still I have inaccurate things on my credit report that has caused me to be denied from jobs, Credit opportunities, and funding. The latest Credit file still shows these inaccuracies ( Attachments ). Account # 's missing, Balance owed being reported, Closed dates missing, Past due amounts being shown, Date opened different on bureaus. My consumer rights are that all information has to be 100 % accurate and these are not. Equifax in particular has failed to investigate and delete accounts that have been deleted from the other agencies as well. I am seeking damages in the amount XXXX per violation as the dates to investigate and has expired also for the accounts in question to be deleted. I also sent the companies a notice that I wanted a notice of what happened during investigations. Delivered and received at all XXXX bureaus XXXX XXXX XXXX 
Tracking numbers/ XXXX XXXX XXXX Consumer law below.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I was not sent any information.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against ( insert name of collection agency ) ( Account # ) for knowingly reporting inaccurate data to the credit bureaus. My credit profile is being negatively affected by these penalties, and this appears to be suspicious and deceptive behavior. I am demanding proof of valid authorization/proof of alleged debt. Reporting this information without proper disclosure requirements is in direct violation of my consumer rights. I am legally requesting a description of the details of the verification process used to verify this alleged account. I am also requesting that you provide me with the forward flow agreement between you and the original creditor, since this debt was purchased by you and I have no contract with you. Purchasing of this debt from the original creditor, XXXX XXXX XXXX, does not guarantee that the information is accurate. Federal law requires you to respond to this complaint within 30 days. Failure to comply with these federal regulations by FTC USC 41 ET ESQ. I am maintaining a careful record of my communication with your company. I have attached documentation to this complaint. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
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. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper - XXXX mortgage servicer - They got hacked, and no one could make any payments for over 20 days. They have added late fees and collected them. In addition, they did not pay escrows and are now sending letters saying it is my fault. They want to charge me money for lapse insurance on my home when it was their fault for not paying it nor making the adequate changes they needed to make since they have been holding the escrow account and are servicing it. 

I contacted them, and they sent the payment the same day ; however, this payment was late, and it was all their fault, not mine, as this is an escrowed insurance that should have been sent in early XXXX to prevent any lapse. They sent me a letter saying this was my fault and that i need to pay them over {$500.00} i am already struggling to make the mortgage payment as it is due to an accident which has left me handicap. 

I need this to be addressed. This company got hacked and did not do its job, and now they are coming after the consumer for their mistake.
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
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. (TX)

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts :
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

So basically I have done a cash deposit To my PayPal account On 3 different days on XX/XX/XXXX, XXXX and XXXX and not one of those cash deposits where credited to my account. I HAVE Provided PayPal the receipts, The written statements from the stores and The barcodes used for each. The 3 receipts I have provided were a total of {$4500.00} and My issue has Yet to still be resolved with my funds being credited to my account. I Contacted Other people besides PayPal and each of them told me to Contact PayPal for further assistance since Everything was confirmed on their side. I can not request a refund from the stores because The receipts and the stores states All sales are final no refunds I am tired of waiting with no resolution and Bills are Due and My money have not yet been credited. AND TO MAKE THINGS WORSE, the issue is on PayPal side because a agent told me I dont have a balance holding account but in order to generate a barcode and complete a cash deposit you would need a balance holding account. ALL I WANT IS TO RECEIVE MY {$4500.00}
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been attempting to login to TransUnion website ( XXXX XXXX XXXX XXXX : DSS : Login ) to thaw my credit freeze in order to apply for a loan. During the login process, TransUnion tells me that they've sent a 6 digit code to my email address that I need to enter. However I never received such an email. Upon searching online, I see that this is a fairly frequent occurrence with TransUnion website failing to send the code for hours or days and seem to occur almost daily or several times every week. It seems that TransUnion is not making any good faith attempt to fix this problem. The automated phone system to thaw credit report is also unable to retrieve information and requires one to call back during regular business hours and wait several hours on hold to reach an agent. Here are few example online links where others have faced this issue since years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are many more such threads online spanning over several years and if one reads the threads they'll also notice that the service goes down several times a week during off-business hours. This is highly inconvenient for consumers who need to apply for loans or credit and need you wait for business hours so they can call ( and wait on hold ) to reach an agent who can then unfreeze/thaw credit report for them.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Vitek Real Estate Industries Group, Inc. (CA)

I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 

My emotions may be running high, but my determination to resolve this matter is even stronger.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX