davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (TX)

I am listing accounts 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-06-30
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)

XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$130.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-06-30
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

this has been going on for about10 years i even got a lawyer. went bankrupted to save my house so ever thing has past everthing is good and now there doing it again XXXX XXXX from hsbc is sending me letters that i am behind whitch i call hsbc and no one has be behind and they email him to call me but he dose not i call the number hsbc gave me and left message still on one calls he has things on my credit report that should be gone but he keeps them on there
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I have disputed this with Experian for accuracy XX/XX/2020 and they added a past due amount and balance due rather than removing it. This account was included in a bankruptcy that the joint account owner filed for. My credit union who this loan was though ( XXXX XXXX XXXX ) said there will be no balance reported since this is being covered by the bankruptcy trustee and should show no past due amount. Experian will not let me dispute this anymore and will not correct this even though the other two credit bureaus have the correct information on the same loan.
Consumer complaint received 2024-09-23
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On Saturday XXXX I initiated an international wire from my BBVA account for {$2000.00}. On Monday I received an e-mail saying " For the security of you and your account, further due diligence must be completed prior to processing this payment. We have attempted to contact you by phone ending in * [ XXXX ] but were unsuccessful. '' This e-mail came BEFORE the call as I was accessible to my phone and computer all day. 

I proceed to call BBVA as indicated " Please call BBVA XXXX XXXX XXXX at XXXX XXXX XXXX or XXXX XXXX XXXX ( XXXXXXXX XXXX to XXXXXXXX XXXX CST Monday- Friday ) within the next 3 business days in order to release these funds. '' I was on the phone on hold for over an hour. Then, I e-mailed them. Nobody answered. 

Nobody answered Tuesday. 
Nobody answered Wednesday. 

The funds are still on hold and obivously there is nobody working in this " Fraud Department ''. However, my FUNDS ARE STILL UNAVAILABLE TO ME and the transaction is recorded in my account as transaction activity.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NJ)

Someone attempted to open a credit card in my name with my personal information ( SSN ) to the following address which is not mine. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6 dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-30
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: SYNCHRONY FINANCIAL (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I am receiving repeated inquires about a debt that I have no knowledge of. I feel that it must be a scam. 

XXXX XXXX <XXXX> XXXX XXXX ( 4 hours ago ) This is an important message for XXXX XXXX XXXX XXXX 

You currently owe {$18000.00} to CACH , LLC. 
You may wonder why XXXX is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXX XXXX XXXX, XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX, XXXX sold the debt to CACH , LLC who currently owns this balance. CACH , LLC has asked XXXX to help you resolve this balance. That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 

> View My Options Current Creditor : CACH , LLC Original Creditor : XXXX XXXX XXXX, XXXX Total Balance Due : {$18000.00} XXXX account number : XXXX Product : Credit Card This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 



View Account Information Contact Us Read our FAQs Unsubscribe Dispute This Debt Privacy Policy Copyright 2021 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : XXXX, XXXX XXXX - XXXX XXXX ET The law limits how long you can be sued on a debt. Because of the age of your debt, CACH , LLC can not sue you for it, and CACH , LLC can not report it to any credit reporting agency. 

This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : XXXX : XXXX CACH , LLC account number ending in : XXXX.
Consumer complaint received 2021-06-29
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. (TX)

On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX credit card ) placed on my consumer report by XXXX, Equifax, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX  credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Consumer complaint received 2021-06-30
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. (CA)

In XX/XX/2016, someone without my knowledge or permission used my personal identity to get a mortgage loan in my name. I contacted EXPERIAN and XXXX several times to remove this fraudulent account from my credit file, as this is causing great stress in my everyday life. 

EXPERIAN and XXXX investigates this issue and always report to me that the fraudulent information is accurate and can not be removed. 

I have submitted several police reports to EXPERIAN and XXXX and they continue that the fraudulent information is accurate. 

This is my fifth time disputing this matter and I am the victim of identity theft. A California administrative judge have found that I have been a victim of identity theft, but for some reason EXPERIAN and XXXX refuses to delete this fraudulent account from my credit file. 

Attached with this dispute is ; Drivers License, US Passport, Birth Certificate, Utility Bill and Addresses for Two Years. 

Current address : XXXX XXXX XXXX XXXX, TX XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Consumer reporting agency took longer than 30 days to respond to my dispute as well as other violations according to the Fair credit reporting act which is listed on the document i provided
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UT)

Someone succesfully opened an account at XXXXXXXX XXXX using my information - I have a credit reporting service MyIDcare who alerted me to the new inquiry. XXXX XXXX was helpful when I called and promptly closed the account, however, I feel credit cards are too easily obtained with minimal validation/verification of the requesting party. There should be stricter measures in place ( Biometric ID Authentication )
Consumer complaint received 2021-06-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

Under USC 1681s-2b I would like for your office to please send me physical documents that discover did in fact provided and notified you after their investigation on accounts XXXX I have reached out to XXXX for them to send me that information they refused or can not provide physical. That the required noticed was in fact entered. I have asked your office multiple times to do an investigation and send me physical proof but each time you fail to send me physical proof! I have enclosed enclosed physicality proof that this information was never entered so I will need for you to send me physical proof or delete these account immediately from my credit file and provide a updated credit report when done so. Again I need physical proof.
Consumer complaint received 2021-06-30
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. (GA)

XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Consumer complaint received 2021-06-30
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: Nelnet, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

I have been telling this company that this is not my debt and if they think it is then show me proof that it is, a sign contract with my original signature on it and all they sent me was a invoice that is not legal proof of ownership of this debt and the I've demanded for years now that they stop reporting it on my credit report and they won't stop! Enough is enough, The next step is a lawsuit.
Consumer complaint received 2021-06-29
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: JPMORGAN CHASE & CO. (NY)

I do not recognize inquiries, neither I authorized any of listed bellow. 
I requested my writ authorization from the companies and have not received any correspondence in that regards.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC. (DC)

XXXX XXXX Mortgage and I agreed to a forbearance on my mortgage, then around XX/XX/2020 we agreed to defer the forbearance amount to the end of the life of the loan. Recently I tried to apply for refinancing and credit, shocked to learn that I am unable to be approved for anything because they think I am overdue/late on my mortgage. I investigated and saw that my mortgage statement was showing that I was overdue since XXXX, even though I have been paying FCM every single month on time since XX/XX/2020. The statement even goes to say that if they don't receive the lump sum payment in the amount that I have already been paying them since XXXX, they will assess a fee charge. I called and FCM said they don't handle this since it is now with the " Loss Mitigation Department ''. I called Loss a several time and the only not so reassuring responses I could get every time was that they are " backlogged '' and " hope to have it solved sometimes XXXX ''. That is highly unprofessional and causing me financial losses in the moment when refinancing rates are at its lowest, I am unable to refinance based on something that should have been resolved by XXXX at the latest by FCM. They refused to acknowledge their lack of attention to this matter and the ramifications it has caused upon me.
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: Experian Information Solutions Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

The Bureaus failed to provide evidence to support ownership of the debt and they still did not provide me a copy of the signed application with my signature pertaining to the debt in question. According to Fair Debt Collection Practices Act, they must show ownership of the debt. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they did not furnish the paperwork required to show 100 % proof that they own the debt and therefore the disputed items must remove the account from my credit report. 

I started my dispute in XXXX this year but there was no investigation made and so I sent a follow up mail on XXXX but until now I have not received documents from the 3 Bureaus. Please help me reach out to them so I can fix the error in my credit file.