davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (CA)

I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NJ)

simon 's agency alleging medical debt in the sum of XXXX $ on all 3 credit bureaus I have never received notification of this debt in addition, I have full medical benefits with 100 % coverage. 
this debt is not owed by myself.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Loan Science, LLC (NY)

XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.
Consumer complaint received 2020-03-18
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$50.00}
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (GA)

I had closed refinancing my home loan on XX/XX/XXXX XXXX. As part of the closing I paid XXXX USD towards Prepaid for Homeowner 's Insurance Premium. 

This amount is neither paid to my Homeowner 's Insurance ( XXXX XXXX XXXX ) nor is it transferred to my existing Escrow account serviced by Load Care. 

In XX/XX/XXXX, The Homeowner 's Insurance Premium was paid from my current escrow account. 

I had raised this issue with my current escrow account service provider on XXXX, XXXX and I have not got any reply. 

I raised this issue with the Lender at the time of closing which is Finance of America Mortgage in XX/XX/XXXX. And they said its handled by the Title company ( XXXX XXXX XXXX ) I have raise this issue with XXXX XXXX XXXX and there is no reply. 

Prepaid amount of XXXX USD is missing
Consumer complaint received 2020-08-07
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. (NJ)

I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2020-03-18
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (IL)

I called Victoria Secret on Saturday XX/XX/XXXX. to ask why they lowered my limit to less then what I already owe. This means my credit card is maxed out and Im over the credit limit, which is damaging my credit score.  My limit was {$XXXX} and it was lowered to {$XXXX} but the balance owed is {$190.00}. When speaking to XXXX from Commenity bank she said it was nothing she could do.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank is violating 12 CFR 1026.13 ( d ) ( 1 ) and the Official Staff Interpretation in Comment 13 ( d ) ( 1 ) -3. The Bank posted TWO fraudulent charges to my account on XX/XX/XXXX & XX/XX/2019, totaling {$1500.00}. I reported the fraud on XX/XX/XXXX. Both merchants agreed it was fraud and that it was a mistake to charge my account because I was not their customer. Both merchants wrongfully used my credit card number that the same customer had orally given to them without the card or any identification. So there is no merchant dispute. On XX/XX/XXXX Capital One issued a periodic statement for the XX/XX/XXXX billing cycle that included BOTH fraudulent charged. By XX/XX/XXXX, Capital One had not removed the charges or issued a credit, so I mailed a written request. On XX/XX/XXXX, the Bank issued 2 credits in the same amount as the two fraudulent charges, but the original charged remained on my account. On XX/XX/XXXX, I had 2 conversations with 2 different Capital One employees -- and both of them said I am required to pay the fraudulent charges of {$1500.00} on the payment due date ( XX/XX/XXXX ) and if I fail to do so I will be charged interest on both the disputed charges and undisputed charges because there will be a balance due on the account. Their rationale was that I must pay them temporarily until the " Credits '' are applied in the NEXT billing cycle in XX/XX/XXXX. This violates TILA and Reg Z, 12 CFR 1026.13 ( d ) ( 1 ).
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (AR)

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-03-18
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. (AR)

I called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.
Consumer complaint received 2020-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: First Direct Lending, LLC (KY)

I applied for a loan with XXXX XXXX. I fell behind in some of my payments and the loan was sent to another creditor, First Direct or XXXX XXXX XXXX. I signed a contract on XX/XX/2020 with First Direct, to pay {$200.00} bi-weekly, and on one of the payments ( used my debit card ), there were several other fraudulent charges after First Direct posted a payment. My debit card was locked and I had to wait several days for another card. I again fell behind on a payment, because I did not have access to my checking account, I started receiving threatening calls from XXXX XXXX with First Direct or XXXX XXXX XXXX, then more threatening phone calls that I was going to be arrested. I was told that I could not set up payment arrangements, that I would be arrested by XXXX XXXX, who stated he works for XXXX XXXX XXXX. The balance on the {$800.00} loan was {$1300.00}, and I paid {$400.00} towards the balance. I was told by XXXX XXXX that I had to pay {$1500.00} and the that the {$400.00} that I paid was no good anymore because I defaulted on the loan. I explained to Mr. XXXX that his company released my debit card information, or an employee at their company had my debit card information, and they were making fraudulent charges to my account. I was told that this was being investigated. I am not sure if this company is legitimate, but I was told by the original creditor XXXX XXXX that First Direct had the loan now. I have been threatened, hung up on when trying to resolve this matter, and threatened that I would be arrested for writing a bad check.I called for several days to resolve this issue, but I was told by Mr XXXX XXXX, that I could not set up any arrangements, that a warrant for my arrest was being issued. I never wrote a check XXXX XXXX, this was a loan. I have been affected by COVID - 19 and this company has unethical business practices.
Consumer complaint received 2020-03-18
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.
Consumer complaint received 2024-08-28
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-16
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX  is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$17000.00}
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion is reporting a debt to a utility company. They list the dates in XXXX of XXXX for XXXX utility board. I haven't lived in XXXX since XXXX, therefore this date is inaccurate as I haven't lived there for 4 years. Furthermore, it was for an account tied to an apartment that I moved out of in XXXX of XXXX. XXXX utility board reported the account delinquent as of XX/XX/XXXX when the account was already out of my name. No one has provided any proof of the validity of the debt and I've asked for this to be removed as it is negatively affecting my credit and it isn't a valid debt.
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

on XX/XX/2019 I made a deposit into my account and received a receipt showing me when my deposit will be made available on XX/XX/2019 no other legal verbiage was on the receipt that my deposit date would changed. I spoke to several representative and know seems to want to help or care to help. I have my receipts and all documentation to provide for further evidence.