davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

As repairing my credit with XXXX for the past 3 years my score has been improving. Recent desires to buy a auto, I applied for a loan at my bank a credit union to be turned down. I then checked back with XXXX, my XXXX XXXX, EQUIFAX SCORE IS XXXX, BUT has 2 fraudulent XXXX accounts in collections from XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. Their is also a tax lien from XXXX for XXXX paid marked paid as of XX/XX/XXXX. So I attempted to dispute these items XXXX no problem 1 XXXX already removed no tax lien. As i filled out Equifax information it stated items were inaccurate, it took me to another screen. I filled out this long information on the 3 items to dispute and sent off. Well no email not dispute # created notta. I called to actually speak with a representative, again you jump through hoops to get a actual rep. Then we go through vital verification info name, address, ss #, DOB, then security question of recent inquirer 's so one of the institutions I attempted to get a car loan at put in the wrong DOB for me, and now I have to jump through hoops to verify I was born! Then jump through hoops to dispute fraudulent claims and a non updated removed tax lien from XX/XX/XXXX PAID IN FULL 5 months after reported on my credit! Geeze XXXX XXXX XXXX! I 'm sorry my husband became XXXX from the XXXX at XXXX XXXX! I 'm sorry I lost my job caring for him! Yet tax lien was paid 17 months late! Equifax is a XXXX in their accountability to consumers, you have to sign up and pay in their direct web site, someone can inaccuracy report a DOB and you the consumer has to jump through hoops to prove your own identity, oh yeah they wont tell you which company either! Equifax even though you submit this other long dispute form does n't even generate any tracking info wont let you cut copy or paste!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/year> - XXXX / ticket closed, credit report still inaccurate XX/XX/year> - XXXX / no action / response / correction of inaccurate information Filing a ticket again today as Equifax has made no attempts to contact me directly, through my attorney, or other channel to report my information accurately. Equifaxs misuse of my data and failure to update is creating undue stress to me and subjects to me least favorable terms available to me based on the incorrect information reported by Equifax.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NJ)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Truist Dealer Services XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently deputed this account but Equifax XXXX and Equifax are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and Equifax, XXXX, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX. NATIONSTAR Other Loan Late 120 Days {$0.00} XXXX XXXX, 2017 Account still states that I was late 120 Days. Payment history wrong. The account needs to be corrected on my credit reports. Please correct that I was not late just closing and did a deed in lieu. Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I check my credit report regularly, and today, out of nowhere, I saw these unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the wrong information didnt go away. Now, I'm requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this happening again.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!
Consumer complaint received 2017-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

I was XXXX all of XXXX and I have a collection account from Progressive management system for a gas bill that i do not own. I never had services with XXXX because I was homeless from XXXX until I was locked up in XXXX. I tried explain this to them but they said that I would be sued if I did n't pay and I would have to go back to jail. I offered to fax over proof that I was in jail during the time they service but Progressive said it did n't matter I would go to jail if I did n't pay. they have continued to report the fraudulent debt on my credit report.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (LA)

My car is financed with Chase, I bought the car on XXXX/XXXX/14 and my first payment was made on XXXX/XXXX/14. I went into XXXX XXXX XXXX XXXX XXXX to open a secured loan and credit card in an attempt to rebuild my credit, the Manager told me the car was not on my credit report and advised me to go contact them to get them to report the car, I went into the XXXX Branch XXXX and they called the credit department with auto and I spoke to someone and he assured me it would be taken care of in no later than 6 weeks, I called after the new year to check on the status and spoke to XXXX XXXX XXXX ext XXXX went thru the whole story to explain, she told me the problem was with XXXX and I was to call them and get it put on the credit report, she gave me all XXXX reporting agencies phone numbers, I called XXXX XXXX and was told it they could n't do anything about it, it was Chase 's responsibility to put on my credit report and they were the only XXXX that could. I called Chase back and spoke to XXXX she said she would look into it and call me back, she called me back and said they could not put the trade line on XXXX XXXX and that they pulled it off of all the bureau 's I did n't know it was on any. So now I requested her manager and was told XXXX XXXX would be calling me, I waited 2 days and no one called me. So I went into the Chase branch at XXXX XXXX XXXX, XXXX, La. XXXX and spoke to XXXX XXXX ( branch manager ) AND explained again she called credit department and after several departments she had to speak with we got XXXX XXXX on the phone the same person that never called me, she said there was something defective with getting it reported to XXXX XXXX, and said Chase decided to pull the remaining agencies. I requested all XXXX to be reinstated and she said it would not because I had requested the Corp Office address of Chase and I could call them.I did tell XXXX that I have never heard of this happening and asked for the XXXX address to report it to and FTC and the Consumer protection agency, due to I pay my loan on time every month and can prove it, I feel as a consumer my rights are being denied.I am a single person trying to rebuild my credit from Foreclosure and Bankruptcy. I am in the process of opening a new business and this is very important to my credit score. This car was bought after the Bankruptcy.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DIRECMANAGEMENT, INC. (AL)

Okay on  XXXX   XXXX    XXXX   XXXX   informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in  XXXX   XXXX  which was paid by my  XXXX  I called  XXXX  and they informed me that yes they went back all the way to  XXXX    XXXX   and paid bills from when I was n't insured as is required by law! I contacted this company  XXXX   XXXX  and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 U.S.C. 1681b ( c ), no one has the right to access my credit report without my expressed, written consent. For each of these unauthorized inquiries, I am requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries. Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. 

I am also aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. 

Here is a list of the unauthorized inquiry : XXXX. XXXX XX/XX/year>
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I had a an auto loan with XXXX XXXX for over 2 years in excellent status and paid in full. According to XXXX XXXX Experian is only allowing to report my status only if my account is open and not paid in full. Further more , XXXX XXXX was nice enough to inform me, if they send it to Experian, it will show as an open account and will do me more harm. I wrote to Experian several times and had no answer. Please help.
Consumer complaint received 2017-06-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNTRUST BANKS, INC. (CO)

Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at XXXX.