davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (NY)

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Equifax has been stalling to conduct a proper investigation. I will provide identity information in this complaint so that you may properly identify me as you say you could not in my previous complaint even after I have sent numerous correspondence over the last 9 months. 

Furthermore, I have NEVER received any correspondence from the creditor therefore this has no place on my credit score.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Universal Recovery Corporation (CA)

This company is violating my consumer rights and breaking Federal laws by continuing to report their collection debt to XXXX-a credit bureau-after I have already formally submitted a dispute through XXXX regarding this debt collection company. They not only have kept their collection entries on my credit report, but they are also falsely reporting it as being an open account for two separate entries on my credit report. I lost my dispute by the way because somehow they managed to lie to XXXX and enable them to keep reporting this no longer valid information to the credit bureaus. There is not a single collection company that has continued to leave their entries on my credit report asides from this company. Every other Collection company has removed and deleted their credit entries on my report, but Universal Recovery Corporation refuses to comply with my rights and the law after I have filed for Bankruptcy on XX/XX/2022. I honestly believe that this is an act of retaliation on their part towards me from a previous legal matter that was filed against them, and was settled in my favor outside of court. Why else would they drag their feet and leave this very harmful information on my credit report when legally it must be removed after they were notified of my bankruptcy status?
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/2023 {$2200.00XXXX XXXX XXXX XXXX XXXXXX/XX/2023 {$5300.00}
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-21
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

I requested a full credit report from Equifax two weeks ago. I still have not received it and I can not access MyFico or even XXXX. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I have contacted the company requesting the following information 1. the original contract with wet signature 2.Breakdown of the payment history 3.Proof of ownership the debt belongs to me. 

Please provide this information or remove the debt from credit reporting.
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2015-09-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC (PA)

I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.
Consumer complaint received 2023-07-28
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: WELLS FARGO & COMPANY (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$210.00}
Consumer complaint received 2024-08-23
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. (IL)

I am writing to report unauthorized inquiries that have recently appeared on my credit report. These inquiries were not initiated or authorized by me, and I am concerned about potential identity theft or misuse of my personal information. 
The inquiries in question are as follows : XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX XXXX XXXX  ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank )- XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX I have not applied for credit or authorized any inquiries from these entities. I am requesting your assistance in investigating these inquiries and in taking the necessary steps to remove them from my credit report. 
Please advise on what additional information or documentation you may need from me to assist in this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to resolve it.
Consumer complaint received 2023-08-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I have contacted Mr Cooper by phone XX/XX/XXXX, XXXX, complaining that I am tax exempt and am being overcharged for my escrow. I have also lodged an online complaint through the company providing proof of tax exemption. Their response was to tell me that my escrow is under funded and the mortgage increase from {$610.00} to {$850.00} will stay. I also pointed out that they state they receive tax documents automatically from the state and I have also provided documentation and still they increased my monthly payment over 40 %.
Consumer complaint received 2020-06-11
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. (NY)

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Experian received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email that my address had been changed, so I logged into my bank of america app to see that a checking account was opened up in my name, which I didn't authorize. They closed the account. The next day the same checking account, with the same account number was added back to my account. I called in again to tell them I didn't authorize it. They closed the account again. Then informed that they had to close my account ( after 35+ years of banking with them ) and that i would receive a check in the mail in 7-10 days. I asked if I could go into a bank to get my money, the answer was no. 
My funds were frozen and no one got access to them! I still have not gotten a check! It's been a month, I am behind on my bills. I had bills on auto pay bouncing. My mortgage was late. I have reached out to the SEVERAL times, the fraud department will NOT release my money!! I am desperate for my money!! They can't ruin someone's lively hood like this! They put me in debt!! And are ruining my credit!! Please help!
Consumer complaint received 2023-07-28
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

We ordered flooring from XXXX distributor XXXX XXXX CA on XX/XX/XXXX, paid a deposit of XXXX with a credit card. The salesman was supposed to send us an invoice. We received an email XX/XX/XXXX with all the appropriate information of our purchase, invoice etc requesting the remainder amount XXXX  due via wire or ACH. This amount was transferred from XXXX XXXX to the account for the company with Chase bank on XX/XX/XXXX. We were notified on XX/XX/XXXX by the salesman, that he may have been hacked an the email was a scam to not transfer money. He mentioned two other clients were involved ( eventually got money back because they were local ). We were abroad, so filed recall complaint on XX/XX/XXXX with XXXX. We were told to give 5-10 business days. Also filed complaint with XXXX XXXX, FBI XXXX. We have been in touch with XXXX almost daily to follow up. We were informed they can follow up after 10days. My wife spoke with owner of the company, on XX/XX/XXXX, who went with her to Chase to see if anything can be done. Chase informed that they respond within 8 days and then close the inquiry. So, another fraud complaint was filed with XXXX. My wife followed up again XX/XX/XXXX with both chase and XXXX Chase informed her they don't see anything, XXXX  would have to send swift message. She called XXXX  who informed since it's a wire fraud they don't send swift message, recall through wire message. Neither bank is willing to talk to each other, seem like each has a different way of handling the situation. While this happening, we are not getting anywhere, while financially stressed due incurring project costs since the material is not delivered, and as such emotional stress of no resolution.
Consumer complaint received 2023-07-28
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. (TX)

I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than XXXX business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}