davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-28
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court.
Consumer complaint received 2021-07-29
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. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-07-28
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. (LA)

I've been disputing inaccurate accounts with Transunion and XXXX  for over the past year via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX & XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX  account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. XXXX  and XXXX  deleted this XXXX  account because it couldn't be verified. This XXXX  XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for over a year now with Transunion and XXXX, each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, XXXX  reported previously XX/XX/XXXX, according to the last payment of XX/XX/XXXX that does not coincide with its Date of last activity recorded, which means that the Balance Owed amount and Past Due amount is inaccurate. XXXX  reports a payment pattern to XX/XX/XXXX on a closed account dated XX/XX/XXXX. This account is still inaccurate and Re-Aged which leaves Transunion and XXXX  in violation thereof ... ... Moreover XXXX reported by Transunion and XXXX  have been requested repeatedly to be updated, its last report date has not change since year XXXX, which means this disputed account has not been investigated. On this account Transunion reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports a inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to ... ... XXXX XXXX is another account that XXXX  reports a inaccurate Late 90 Days on a {$0.00} Balance Owed account, its last report date has not change since XX/XX/XXXX, which means this disputed account has not been investigated. This is inaccurate reporting, XXXX & XXXX XXXX needs to be updated immediately ... ... Also my personal history needs to be updated it records an inaccurate name XXXX XXXX this is not my name. Delete XXXX XXXX from my credit file.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a loan remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, XXXX XXXX. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by XXXX, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to PHH Mortgage. I was assured that I had no tasks before me, that any payments would be automatically credited to PHH. I received those assurances from XXXX, PHH, and XXXX XXXX. XXXX refused to transfer the payments to PHH, and PHH refused to pursue the issue with XXXX. After complaints to XXXX XXXX and multiple email contacts with XXXX, PHH acknowledged receipt of the money from XXXX on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from XXXX to PHH by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of XXXX. I have a considerable amount of interest on the principal to which PHH has refused to credit my account. All of those issues have violated both my contracts and the law. PHH is an institution with nearly 1700 complaints before the CFPB. I did months of research before taking out a refinance, and skirted PHH because they have a history of fraud and have learned they can get away with it when they prey upon the elderly, the honest, those with XXXX, and the lower and middle class. XXXX XXXX is equally to blame for continuing to push business toward PHH, knowing that their intent is to engage in illegal and fraudulent business practices.
Consumer complaint received 2021-07-29
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: I.C. System, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

Not only did i not receive written notice but after contacting the creditor they did not send details about the alleged debt including : - Explanation of what the alleged debt is for - A calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct. 
- Documentation that shows I agreed to pay this debt, including signatures. 
- The agreement that grants them the authority to collect on this alleged debt. 
- A copy of their state license, including license number. 

They are in violation of my rights as outlined within Section 809 of the FAIR DEBT COLLECTION PRACTICES ACT. Please remove the alleged debt from my report.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I've reached out to affirm numerous times about these debts on my credit report that do not belong to me ie XXXX, XXXX, and I believe there are 2 more that do not belong to me. I have one actual account with Affirm which was paid on time every month and in full and I keep asking for validation of this debt that keeps reporting on my report with no follow up I have been sending letters since the beginning of the pandemic about a year ago if they will not validate my debt I would like it removed from my report it is bringing down my score & livelihood.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bankruptcy lawyer said they didnt do a reaffirmation process on my mortgage which has never been late and its current. 
Lender is XXXX. 
My vehicle financed with XXXX XXXX XXXX  also isnt reported and I just paid it off.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NY)

I have sent numerous letters for validation and verification ( the most recent being certified letters sent XX/XX/XXXX ). This company has not responded with the requested verification and validation documents but they have responded to credit bureaus as " accurate information '' when disputed on the bureaus websites. I have not received any communication from the company to the collect the debt or any way to dispute. The company is simply reporting the debt without ever having contacting me and is refusing to respond to multiple attempts at contact from me. The debt appeared on my credit reports in XX/XX/XXXX. All I ask is for proper verification and validation of the debt.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MN)

I have a Fidelity Visa credit card, which is provided through Elan Financial Services. This complaint is directed at Elan. 

During the months of XXXX and XXXX my automatic payments did not correctly process. 

Problem # 1 : I was not notified of this in any way and my credit score was impacted due to high percentage of available credit that was unpaid ( perfect history before this ). 

Problem # 2 : the reason the payment did not process was a NFS, however my account had ~7x the required funds for the two month 's worth of payments. In talking with Elan and Fidelity in a 3-way call, the Elan representative confirmed it was a technical issue on the Elan side and that it would be fixed. I asked for but received no remediation options for the impact to my credit score. 

XXXX # XXXX : during this process automatic payments were cancelled on my account, without my notification, which has resulted in XXXX and XXXX payments being unpaid, which had again impacted my credit score.

Problem # 4 : again, neither Elan or Fidelity notified me of missed payment in any way.
Consumer complaint received 2024-09-12
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. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

My American express serve card was stolen by my ex is on XX/XX/XXXX. I filed a police report against him for the theft of my card, along with my car and domestic XXXX, as he XXXX XXXX XXXX in XXXX XXXX and XXXX me in a hotel room i was XXXX to rent for 2 nights with my card before he XXXX me up. I called the company less than 36 hours after I was finally safe and got myself out of the situation. I sent a copy of the police report and their requested " declaration of fraud '' paperwork, along with every transaction he made while in possession of the card. Grand total is just under {$1000.00} and i got the email today stating they denied my dispute for all items. So now they're basically telling me I have to pay because i was beaten and robbed and he just gets off Scott free ...
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TN)

The problem is they AMEX closed the account at there on will, but the balance is still owed I am paying it and have not missed a payment. So I still have an account with them and they are using illegal tactics by still recieving the payment and sending it to collection while still recieving the payment.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (NC)

I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

To whom it may concern, I refinanced my house. In the closing instructions. My Citi bank card was to be paid of. XXXX XXXX XXXX XXXX XXXX issued a check in the amount of {$3000.00} on XX/XX/21. Citi bank cashed the check on XX/XX/21. 

After numerous phone calls. Citi bank is failing to take action. They are not interested in seeing the check or the information located on the check that will help to locate it. 

The credit card balance remains. Im continuing to have to make monthly payments and am being charged interest. Im seeking assistance and resolution. This check thats in their possession needs to be applied to the balance. And I need to be reimbursed for the interest they have charged since they have been in possession of the check. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Cap1/walmart to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Consumer complaint received 2021-07-28
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. (CA)

XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-27
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: SYNCHRONY FINANCIAL (NJ)

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.