davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2019-06-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation (FL)

Starting back in XX/XX/2018, we applied for a FHA mortgage through Unifirst Mortgage company. However, we were told by XXXX XXXX and XXXX XXXX we needed to clear some conditions, which we did along with getting a credit card and paying them {$190.00} towards application fees which we would get back at closing. Unfortunately, the company partnered with XXXX XXXX XXXX loan # XXXX and the requirements changed per loan officer XXXX XXXX and we was told we did not qualify because of our credit score and one collection account added. They have prolonged the process, acted as if we were on a program and will be graduating on XX/XX/XXXX, which was a lie. They wasted months of our time, which I had explained we were staying in a hotel until process was finalized, but they overlooked and failed to provide details of getting approved. They pushed our graduation back several times and then later tell us we needed a 600 credit score to qualify for FHA loan. This has cost us months of paying unnecessary hotels rates and also if they know the approval requirements, it should have been disclosed earlier. Now they are telling me again, We have to wait until XX/XX/XXXX to be reviewed again, which makes no sense and We completed have already met and completed conditions.
Consumer complaint received 2019-06-04
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. (CA)

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX-XXXX XXXX,
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX was paid and account is closed XX/XX/2019 and I have a paper from them stating Im at XXXX balance and I also have certified copies from the courts saying the judgement was settled.
Consumer complaint received 2024-10-12
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. (MA)

I disagree with the account listed below which still appears on my report even after your investigation. I would like these accounts immediately re-investigated. the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above accounts, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Today, XX/XX/XXXX, I tried to unfreeze my credit report on Experian because I was trying to get a pre-approval for a mortgage. So I went to Experians website to do so, however, the webpage was not working. I then called them and went through their automated prompts to have the security freeze removed. After completing the information correctly, I was told to mail in a variety of documents in order to have the freeze lifted. It shouldnt be this hard to have a freeze lifted. 

I have no interactions with this company beyond placing and removing security freezes on my credit file, and that only happens because of the XXXX  security breach That occurred. They have charged me repeatedly for placing and removing security freezes after that breach, and now I have to mail in paper work and IDs and social security numbers to them. Something should be done about this company. It continually makes things difficult for consumers to steer people into their pain credit lock feature.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX.. DOB is XXXXXXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX  - XX/XX/XXXX  XXXX  XXXX - XX/XX/
Consumer complaint received 2020-05-17
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. (NC)

I opened a XXXX XXXX XXXX XXXX  account last year to help build my credit. XXXX as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. XXXX XXXX choice to take from a XXXX card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about XXXX messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

A loan was taken out by an ex spouse. The ex spouse listed my information as a co-signer. 

We were divorced and part of the final decree was that she be solely responsible for the debt. 

I contacted the loan servicer ( XXXX ) and was given an email to forward the final decree to so that they could remove me as a cosigner. I emailed them on XX/XX/XXXX to have them remove my name as cosigner on the loan. They never responded and I have emailed them on XX/XX/2010, and XXXX with no response whatsoever received from them. 

I have also submitted a dispute to all three credit bureaus to have my name removed. They have " disagreed '' with the Judge 's final court orders according to the credit bureaus.
Consumer complaint received 2020-05-17
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. (MO)

i have been a victim of the dark web and the XXXX  data breach, in addition to losing my purse with all my personal information in it. My identity has been compromised beyond comprehension and that's not a good place nor feeling in such struggling times. I'm demanding that these accounts be removed and blocked from my credit data files. I've reported and requested information in regards to these accounts. Please remove the following accounts immediately. 

1 ) XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1100.00} 4 ) XXXX XXXX XXXX {$61.00} 5 ) XXXX XXXX XXXX {$1.00} XXXX 6 ) XXXX XXXX {$120.00} 7 ) Chapter XXXX bankruptcy 8 ) XXXX XXXX XXXX XXXX   XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) Dept of ED/ XXXX {$56000.00} 14 ) Dept of ED/ XXXX {$31000.00} 15 ) XXXX  {$5500.00} 16 ) XXXX   {$5000.00} 17 ) Dept of ED/ XXXX {$3200.00} 18 ) Dept of ED/ XXXX {$4200.00} 19 , ) Dept of ED/ XXXX {$1000.00} 20 ) XXXX XXXX   {$4800.00} 21 ) XXXX XXXX XXXX XXXX {$2600.00}
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MI)

XXXX  my wife and I who called in to see what this was regarding. We haven't had XXXX  in since 2011. They were trying to collect a debt out of statue of limitations. The first person whose voice mail we got sounded like he XXXX in the mic. We thought this was a scam. We called back and XXXX  the company. A real company. Finally we got a live person. They said they were looking for me. XXXX XXXX. Said they can speak to my wife. The individual went over the account details with my wife with out giving the XXXX  XXXX. Didn't say who he was with. Just went over the details and my personal info. Speaking to the supervisor he said that we were correct and he would speak to him. He also didn't give the XXXX XXXX  either. They tried to trick me into starting a payment arrangement with them that would start the credit reporting and potential courts by trying to get me to pay. ( My wife is a debt collector. And certified in the fdcpa. She was upset because he abused the rights I have. )
Consumer complaint received 2020-05-17
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. (VT)

Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX  years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (RI)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX i received a credit alert that my credit score dropped 24 points with Equifax and them alone. No other credit bureau reported this action. Upon review they decreased my credit for New Account added " XXXX XXXX ( closed years prior ) '', " XXXX acceptance added, ( part of bankruptcy years prior and was removed by company, and Military star card added then removed. This account is active in good standing and always has been. These actions were confirmed to be taken by this credit reporting agency and this agency alone. ALL OTHER mentioned above have specifically denied any action taken by them. Two of which states it would be illegal and one stating they have only reported my balance and good standing. Upon contacting the company never sent my credit report, nor did they replace the credit points missing, after they stealth fully and illegally removed these improprieties and never showed up as corrected, ( they just went away, but my score remained affected ). 
ALL COMPANIES mentioned have reported to Equifax they did not make any such changed and it was done by Equifax alone. This has harmed my credit score ; my security clearance and NO OTHER credit reporting agency made any such changed in this regard. Letters available from companies available upon request. Pictures of said misdeeds attached. I want my credit score fixed, and these actions corrected immediately and an investigation as to how they can do what they did without just cause and proof from said companies.
Consumer complaint received 2024-09-05
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 submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my records, I discovered these late payment entries. Despite having sent correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation. I am seeking your assistance to resolve this matter quickly and effectively.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to request your assistance with a persistent issue regarding unauthorized hard inquiries on my Equifax credit report, which I have been unable to resolve despite multiple attempts. I am concerned that these inaccuracies are a result of data breaches I have been a victim of over the past two years, involving companies such as XXXX, XXXX, and XXXX, among others. 

Details of the Issue : Unauthorized Hard Inquiries : The following hard inquiries, which I did not authorize, are reported 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  Actions Taken : I initially requested information from Equifax regarding these inquiries starting in XX/XX/XXXX. I followed up on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. Despite these efforts, Equifax has informed me that they do not have documentation to validate these inquiries but has refused to remove them from my credit report. 

Relevant Legal Framework : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report accurate information. 15 U.S.C. 1681i provides consumers with the right to dispute inaccurate or incomplete information and requires credit bureaus to investigate and correct errors.

Consumer Protection : The FCRA mandates that any inaccurate or unauthorized information, including hard inquiries, be investigated and corrected. Failure to provide proper documentation to validate such inquiries and refusing to remove them violates these protections.

Identity Theft Protections : Given the context of known data breaches affecting my personal information, the Identity Theft Act ( part of the FCRA amendments ) provides additional protections against fraudulent activities and unauthorized inquiries resulting from such breaches.